# EDGAR Filing Document

**Accession Number:** 0001276671
**File Stem:** 0001558370-23-003371
**Filing Date:** 2023-3
**Character Count:** 339646
**Document Hash:** 61a6da8fd932295b704fe85348a96396
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001558370-23-003371.hdr.sgml**: 20230310

**ACCESSION NUMBER**: 0001558370-23-003371

**CONFORMED SUBMISSION TYPE**: 6-K

**PUBLIC DOCUMENT COUNT**: 131

**CONFORMED PERIOD OF REPORT**: 20230309

**FILED AS OF DATE**: 20230310

**DATE AS OF CHANGE**: 20230309

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CORPBANCA/FI
- **CENTRAL INDEX KEY:** 0001276671
- **STANDARD INDUSTRIAL CLASSIFICATION:** COMMERCIAL BANKS, NEC [6029]
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** F3
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 6-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-32305
- **FILM NUMBER:** 23721272

**BUSINESS ADDRESS:**
- **STREET 1:** ROSARIO NORTE 660
- **CITY:** LAS CONDES SANTIAGO
- **STATE:** F3
- **ZIP:** 00000
- **BUSINESS PHONE:** 56 (2) 687-8000

**MAIL ADDRESS:**
- **STREET 1:** ROSARIO NORTE 660
- **CITY:** LAS CONDES SANTIAGO
- **STATE:** F3
- **ZIP:** 00000

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

------

**FORM 6-K**

**REPORT OF FOREIGN ISSUER**

**PURSUANT TO RULE 13a-16 OR 15d-16 OF THE**

**SECURITIES EXCHANGE ACT OF 1934**

**For the month of March 2023**

**(Commission File No. 001-32305)**

------

**ITAÚ CORPBANCA** 

(Translation of registrant's name into English)

------

**Av. Presidente Riesco 5537**

**Las Condes**

**Santiago, Chile**

(Address of registrant's principal executive office)

------

Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F.

Form 20-F ⌧ &nbsp;&nbsp;&nbsp;&nbsp;Form 40-F ◻

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101 (b) (1):

Yes ◻ &nbsp;&nbsp;&nbsp;&nbsp;No ⌧

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101 (b) (7):

Yes ◻ &nbsp;&nbsp;&nbsp;&nbsp;No ⌧

Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.

Yes ◻ &nbsp;&nbsp;&nbsp;&nbsp;No ⌧

------

On October 28, 2022, Itaú Corpbanca published a press release announcing its Management Discussion & Analysis Report for the quarter ended September 30, 2022. The press release and Itaú Corpbanca's Management Discussion & Analysis Report for the quarter ended September 30, 2022 are attached hereto as Exhibit 99.1 a).

On February 28, 2023, Itaú Corpbanca published a press release announcing its Management Discussion & Analysis Report for the quarter ended December 31, 2022. The press release and Itaú Corpbanca's Management Discussion & Analysis Report for the quarter ended December 31, 2022 are attached hereto as Exhibit 99.1 b).

On March 9, 2023, Itaú Corpbanca published on its website its results as of and for the two-month period ended February 28, 2023 and 2022, which are attached hereto as Exhibit 99.2.

**----------------------------------------------------------------------------------------------------------------------------------------**

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Exhibit** | &nbsp;&nbsp;**Description** |
| &nbsp;&nbsp;99.1 a) | &nbsp;&nbsp;[Itaú Corpbanca's press release and Management Discussion & Analysis Report for the quarter ended September 30, 2022.](tmb-20230309xex99d1a.htm) |
| &nbsp;&nbsp;99.1 b) | &nbsp;&nbsp;[Itaú Corpbanca's press release and Management Discussion & Analysis Report for the quarter ended December 31, 2022.](tmb-20230309xex99d1b.htm) |
| &nbsp;&nbsp;99.2 | &nbsp;&nbsp;[Itaú Corpbanca's results as of and for the two-month period ended February 28, 2023 and 2022.](tmb-20230309xex99d2.htm) |

---

------

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereto duly authorized.

---

| | |
|:---|:---|
| ITAÚ CORPBANCA | ITAÚ CORPBANCA |
| (Registrant) | (Registrant) |
| By: | /s/ Cristián Toro Cañas |
| Name: | Cristián Toro Cañas |
| Title: | General Counsel |

---

Date: March 9, 2023.

------

## Exhibit 99.1

#### Exhibit 99.1(a

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag001.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exhibit 99.1a) Itaú Corpbanca Announces Third Quarter 2022 Management Discussion & Analysis Report SANTIAGO, Chile, October 28, 2022 (GLOBE NEWSWIRE) -- ITAÚ CORPBANCA (NYSE: ITCB; SSE: ITAUCORP) announced today its Management Discussion & Analysis Report ("MD&A Report") for the third quarter ended September 30, 2022. For the full MD&A Report, please refer to the following link. https://ir.itau.cl/files/doc_financials/2022/q3/Itau-Corpbanca-3Q22-MD-A.pdf On Wednesday, November 2, 2022, at 11:00 A.M. Santiago time (10:00 A.M. ET), the Company's management team will host a conference call to discuss the financial results. The call will be hosted by Gabriel Moura, Itaú Corpbanca's Chief Executive Officer and Rodrigo Couto, Itaú Corpbanca's Chief Financial Officer. Conference Call Details: Online registration: https://conferencingportals.com/event/LcAnNmZD Phone registration: +1 (800) 770-2030 or +1 (647) 362-9199 Upon registering, each participant will be provided with call details and a registrant ID used to track attendance on the conference call (Access Code: 61362#). Reminders will also be sent to registered participants via email. Please provide this registration information to those participants that you would like to attend your conference call. Telephone and Virtual Q&A session: Telephone Q&A session will be available as well as written Q&A through a box on the console, where attendees can type in their questions. We will read and answer selected questions verbally. Slides and Audio Webcast: There will also be a live, and then archived, webcast of the conference call, available through the Company's website. Participants in the live webcast should register on the website approximately 10 minutes prior to the start of the webcast. The webcast can be found at: https://events.q4inc.com/attendee/587251591 Webcast will be available on-demand via the same address as the live event afterwards. Investor Relations – Itaú Corpbanca +56 (2) 2660-1701 / IR@itau.cl / ir.itau.cl |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag002.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Itau.cl Itaú Chile Itauchile itauchile Management Discussion & Analysis and Complete Balance sheet & income statements 3Q22  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag003.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(This page was intentionally left blank)  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag004.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 5 19 21 23 43 33 49 52 Additional Information Complete Balance sheet & income statements 60 Report of Independent Auditors **Table of Contents** Management Discussion & Analysis Income Statement and Balance Sheet Analysis Managerial results - Breakdown by country Managerial results - Breakdown for Chile Managerial results - Breakdown for Colombia Balance Sheet Risk and Capital Management Access here 7 Executive Summary  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag005.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(This page was intentionally left blank)  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag006.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Management Discussion & Analysis |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag007.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6 This report is based on Itaú Corpbanca reviewed financial statements for 3Q22, 2Q22 and 3Q21 prepared in accordance with the Compendium of Accounting Standards issued by the Chilean Commission for the Financial Market (Comisión para el Mercado Financiero, or "CMF") pursuant to Chilean Generally Accepted Accounting Principles (Chilean GAAP), which conform with the International Financial Reporting Standards issued by the International Accounting Standards Board (IASB) to the extent that there are not specific instructions or regulations to the contrary issued by the CMF. Solely for the convenience of the reader, U.S. dollar amounts (US$) in this report have been translated from Chilean nominal peso (Ch$) at our own exchange rate as of September 30, 2022 of Ch$965.75 per U.S. dollar. Industry data contained herein has been obtained from the information provided either by the CMF or the Colombian Superintendency of Finance (Superintendencia Financiera de Colombia, or "SF"). Certain figures included in this Quarterly Report for the three months ended September 30, 2022 and 2021, for the three months ended June 30, 2022 and for the nine-month periods ended September 30, 2022 and 2021 have been rounded for ease of presentation. Percentage figures included in this Quarterly Report have in all cases not been calculated on the basis of such rounded figures but on the basis of such amounts prior to rounding. For this reason, percentage amounts in this Quarterly Report may vary slightly from those obtained by performing the same calculations using the figures in our consoli-dated financial statements and our managerial information. Certain other amounts that appear in this Quarterly Report may similarly not sum due to rounding. As used in this MD&A Report, the term "billion" means one thousand million (1000000000) and the term "trillion" means one million million (1000000000000). |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag008.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive Summary 01 Management Discussion & Analysis and Complete Balance sheet & income statements  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag009.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8 Management Discussion & Analysis Executive Summary Results Performance Balance Sheet Competitive Environment Itaú Corpbanca operates in the financial market registering its headquarters in Chile, complemented by its operations in Colombia and Panama, a branch in New York and a representative office in Lima, Peru. It seeks to offer its clients a complete set of financial solutions that include credit products, investment, insurance, among other financial services, complemented by a multichannel service model covering the provision of physical and digital branches, as well as mobile channels (APP and web). Financial Industry Results Loan growth Macroeconomic scenario At the end of September 2022, the financial industry in Chile reached a total of Ch$223.9 billion (excluding operations in Colombia and BCI Florida), presenting a growth of 2.8% compared to the previous quarter and 13.3% compared to the same month of 2021. The composition of the loans portfolio does not register significant changes in relation to the previous quarter, consisting of 55.6% in commercial loans, 32.5% in mortgage loans and 11.9% in consumer loans. On the other hand, in the 12-month comparison, a change in the loans mix is observed, registering a decrease in commercial loans of 92bp (56.5% at the end of September 2021) and an increase in consumer and mortgage loans. Itaú Corpbanca Chile achieved a market share of 10.0% in its portfolio of total loans, 11.3% in commercial loans, 8.2% in consumer loans and 8.5% in mortgage loans, presenting a growth of 21bp in total market share, driven by a greater share in commercial and consumer loans. When compared to September 2021, a gain of 42bp is recorded in the total market share, explained by a higher share in consumer loans of 79bp and gain of 25bp in mortgage loans. Chile: The 3Q22 was marked by the deterioration of the labor market. It is estimated that inflation has reached its peak after rising to 14.1% year-on-year in August and 13.7% in September (with a monthly increase of 0.9%). In this context, the board of the Central Bank announced an increase of 50bp in the monetary policy rate, which reached 11.25% at the beginning of October. The Central Bank indicated that the monetary policy rate would remain at the current level for as long as necessary to ensure that the 3% target is achieved within two years. Under this backdrop, a 4.2% increase in real fiscal spending was an-nounced in the 2023 budget bill (following a near 25% contraction this year), with a focus on public investment and pensions. On the political front, the draft constitution developed by the constitutional convention was rejected by 62% of the votes. It is expected that the most likely scenario is a broad agreement among the political parties represented in Congress that allows a new convention, composed of fewer members, with the participation of experts. With a less favorable global economy and tighter global macroeconomic policies, our expectation of GDP contraction for next year would become more pronounced (1.5% versus 1.0% previously expected), with emerging currencies weakening in the face of the Fed's more aggressive policy and cuts in the policy rate that we expect to close at around 6.5% by the end of 2023. Colombia: During 3Q22 Colombia continued to face a large external imbalance with high oil prices and slowdown in domestic demand, the context in which the Central Bank Board determined a rate increase of 100bp closing September at 10%. The Board cited rising inflation expecta-tions and excessive domestic demand amid tighter external financial conditions as the reasons for its decision to further tighten monetary policy. On the political front, legislative debates are taking place on tax reform that aims to increase tax revenues by 1.45% of GDP on average. In general, the government expects the tax reform to be approved no later than the end of 2022, to have the additional resources in 2023 for social programs promised in the Petro campaign. For this reason and in line with the administration's focus on tax reform, the labor reform as well as the presentation of the pension reform were postponed. The economy is expected to expand by 7.3% in 2022, however, the tight-ening of global financial conditions, the correction of the terms of trade, the significant slowdown in Colombia's main trading partners and the increase in inflation should hinder the dynamics of activity, as a result of which, we expect growth to slow to 0.3% in 2023. trillion 2.8% (3Q22/2Q22) 13.3% (3Q22/3Q21) Loans Ch$223.9 Commercial 55.6% Consumer 11.9% Mortgage 32.5% |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag010.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 Management Discussion & Analysis Executive Summary In Ch$ million (except where indicated), end of period 3Q22 2Q22 3Q21 9M22 9M21 Recurring Net Income 117,107 145,370 58,969 373,321 224,870 Operating Revenues 374,370 373,069 278,373 1,064,450 850,649 1 Managerial Financial Margin 323,048 323,984 230,307 918,355 721,527 Recurring Return on Tangible Avg. assets (RoTAA) 2 3 1.2% 1.5% 0.7% 1.3% 0.9% Recurring Return on Tangible Avg. equity (RoTAE) 17.6% 22.1% 13.2% 18.8% 16.9% Recurring Return on Avg. assets (RoAA) 2 1.2% 1.5% 0.7% 1.3% 0.9% Recurring Return on Avg. equity (RoAE) 2 5 14.4% 18.1% 10.1% 15.4% 12.9% Risk Index (Loan loss allowances / Total loans) 2.8% 2.8% 3.3% 2.8% 3.3% Non-performing Loans Ratio 90 days overdue (NPL) - Total 2.1% 2.0% 2.3% 2.1% 2.3% Non-performing Loans Ratio 90 days overdue (NPL) - Chile 1.9% 1.8% 2.0% 1.9% 2.0% Non-performing Loans Ratio 90 days overdue (NPL) - Colombia 2.9% 2.8% 3.5% 2.9% 3.5% Coverage Ratio (Loan Losses/NPL 90 days overdue) - Total 134.2% 139.2% 142.1% 134.2% 142.1% Efficiency Ratio (Non-interest expenses / Operating revenues) 47.8% 45.3% 58.6% 47.3% 55.3% Risk-Adjusted Efficiency Ratio (RAER) 6 72.0% 65.3% 77.9% 66.9% 69.2% Total Assets 42,171,663 40,326,097 35,768,845 Gross Total Credit Portfolio 27,328,200 26,568,958 23,811,968 Total Deposits 18,499,888 18,253,032 17,115,052 Loan Portfolio / Total Deposits 147.72% 145.56% 139.13% Shareholders Equity 3,310,658 3,245,916 2,355,997 Tangible Equity 4 2,719,931 2,689,441 1,812,164 Headcount 7 7,740 7,669 8,091 Chile 5,298 5,210 5,160 Colombia 2,442 2,459 2,931 Branches 8 255 253 293 Chile 177 174 186 Colombia 78 79 107 ATM –Automated Teller Machines 460 463 523 Chile 358 356 401 Colombia 102 107 122 Notes: (1) Operating Revenues = Managerial Financial Margin + Commissions and fees. (2) Annualized figures when appropriate. (3) Total tangible assets = Total assets excluding goodwill and intangibles from business combination. (4) Tangible equity = Shareholders equity - goodwill - intangibles from business combination - related deferred tax liabilities; for further details see page 47 of this report. (5) Equity = Shareholders equity. (6) Starting 3Q19 we are adding the cost of credit to the non-interest expenses for the calculation of the risk-adjusted efficiency ratio, instead of deducting it from the operating revenues. Previous quarters have been recalculated for comparison purposes. (7) Headcount for Chile includes employees of our New York branch and since 1Q18 also from our RepOffice in Lima; and headcount for Colombia includes employees of Itaú (Panamá). (8) Branches for Chile include one branch in New York and branches for Colombia include one office in Panama. Results Performance Balance Sheet Other Itaú Corpbanca Financial Information The financial information included in this Management Discussion & Analysis Report ("MD&A Report") is based on our managerial model that we adjust for non-recurring events and for additional reclassifications of P&L lines in order to provide a better understanding of our performance. Please refer to pages 11, 12 and 13 of this report for further details on our managerial model. Below we present the consolidated managerial and operating information of Itaú Corpbanca for the three months ended September 30, 2022 and 2021, for the three months ended June 30, 2022 and as of September 30, 2022 and 2021. Financial Highlights |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag011.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10 Management Discussion & Analysis Executive Summary Highlights Indicators In Ch$ million (except where indicated), end of period 3Q22 2Q22 3Q21 9M22 9M21 Total Outstanding shares (Thousands) 973,517.87 973,517.87 512,406.76 973,517.87 512,406.76 Book Value per share (Ch$) 3.401 3.334 4.598 3.401 4.598 Diluted Recurring Earnings per share (Ch$) 0.120 0.149 0.115 0.383 0.439 Accounting Diluted Earnings per share (Ch$) 0.116 0.139 0.105 0.364 0.413 Diluted Recurring Earnings per ADR (US$) 0.187 0.242 0.213 0.596 0.814 Accounting Diluted Earnings per ADR (US$) 0.180 0.225 0.194 0.566 0.765 Dividend (Ch$ million) n.a. 277,806 n.a. 277,806 n.a. Dividend per share (Ch$) n.a. 0.0856 n.a. 0.0856 n.a. Market capitalization (Ch$ billion) 1,784.46 1,671.53 1,019.18 1,784.46 1,019.18 Market capitalization (US$ billion) 1.8 1.8 1.3 1.8 1.3 Solvency Ratio - BIS Ratio 9 14.85% 15.07% 12.56% 14.85% 12.56% Shareholders' equity / Total assets 7.85% 8.05% 6.59% 7.85% 6.59% Shareholders' equity / Total liabilities 8.52% 8.75% 7.07% 8.52% 7.07% Ch$ exchange rate for US$1.0 965.75 925.3 809.02 965.75 809.02 COP exchange rate for Ch$1.0 0.2099 0.2230 0.2121 0.2099 0.2121 Monetary Policy Interest Rate - Chile 10 10.8% 9.0% 1.5% 10.8% 1.5% Monetary Policy Interest Rate - Colombia 10 10.0% 6.0% 1.8% 10.0% 1.8% Quarterly UF variation - Chile11 3.5% 4.2% 1.3% 10.1% 3.4% Quarterly CPI variation - Chile 3.7% 3.7% 2.4% 10.8% 4.4% Quarterly CPI variation - Colombia 3.0% 2.7% 1.2% 10.1% 4.3% Indicators Highlights Notes: (9) BIS Ratio= Regulatory capital / RWA, according to CMF current definitions for 2022 and to prior CMF BIS I definitions for 3Q2 1. (10) End of each period. (11) UF (Unidad de Fomento) is an official unit of account in Chile that is constantly adjusted for inflation and widely used in Chile for prici ng several loans and contracts. The monitoring and management of Itaú Corpbanca's performance is carried out through the monitoring of critical financial indicators such as its level of Efficiency, delinquency rates, RoTE and return on capital, among others, which are analyzed in detail in this quarterly disclosure document. Regarding the measurement of "non-financial" indicators, Itaú Corpbanca continuously monitors key variables within the framework of its vision as a leading bank in sustainable performance and customer satisfaction, highlighting the measurements of NPS (Net Promoter Score, adopted since 2019), staff turnover rates, gender composition, climate measurements, shared value and social impact, among others; indicators that are presented and analyzed on a recurring basis in the annual disclosures of the Bank's Annual Report (see details in Annual Report 2021 available in https://s2.q4cdn.com/476556808/files/doc_financials/2021/ar/ITCB_Memoria-Integrada-Anual-2021.pdf) |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag012.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11 Management Discussion & Analysis Executive Summary Highlights Indicators Indicators Highlights In Ch$ million 3Q22 2Q22 3Q21 9M22 9M21 Net Income Attributable to Shareholders (Accounting) 112,982 135,338 53,623 354,467 211,516 Non-Recurring Events 4,124 10,032 5,346 18,855 13,354 (a) Transaction Costs 2 937 57 1,644 205 (b) Goodwill impairment and amortization/impairment of intangible generated through business combinations 5,424 5,424 5,424 16,271 16,271 (c) Provisions, impairment and accelerated depreciation - - 300 - 1,594 (d) Provisions for restructuring - 8,291 - 8,291 - (e) Other Costs 224 339 1,542 872 3,280 Tax Effects (1525) (4960) (1977) (8223) (7996) Recurring Net Income Attributable to Shareholders (Managerial) 117,107 145,370 58,969 373,321 224,870 Non-Recurring Events Net Income and Recurring Net Income Events that we have considered non-recurring correspond to: (a) Transaction Costs: Costs related to the closing of the merger between Banco Itaú Chile and Corpbanca, such as investment banks, legal advisors, auditors and other related expenses. (b) Goodwill impairment and amortization/impairment of intangible generated through business combinations: Amortization of intangi-bles arising from business combination, such as customer relationships. (c) Provisions, impairment and accelerated depreciation: Considers (i) provisions for physical structure restructuring; (ii) impairment of intangible technology assets related to the systems consolidation process; and (iii) impairment and accelerated depreciation of fixed assets related to footprint revision and migration to a Remote First working model. (d) Provisions for restructuring: Costs related to the optimization of the physical infrastructure in Chile and to the operational and digital transformation in Colombia. (e) Other Costs: Mainly due to provisions related to the systems consolidation process generated in the Itaú - Corpbanca integration and costs related to the capital increase made by the Bank. Our recurring net income attributable to shareholders totaled Ch$117.107 million in the third quarter of 2022, compared to an accounting net income of Ch$112,982 million for the same period, as non-recurring items are being subtracted. Figures are presented in the following table: |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag013.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12 Management Discussion & Analysis Executive Summary Managerial Income Statement U.S. dollar Colombian peso Ch$965.75 Ch$0.2099 +4.4% +19.4% (3Q22/3Q21) -5.9% (3Q22/2Q22) -1.1% (3Q22/3Q21) Our managerial financial model reflects how management measures and analyzes financial performance by disaggregating commercial perfor-mance, financial risk management, credit risk and costs control. For our managerial results, we adjust for non-recurring events that affect accounting net income (as detailed on the previous page) and apply managerial criteria to disclose our income statements. Regarding the latter, our managerial criteria affects the breakdown of our income statement but does not impact our net income. Among the managerial adjustments, we highlight the tax effects of the hedge of our invest-ments abroad, originally accounted for as income tax expense on our Net Income and subsequently reclassified as financial margin, the reclassifi-cation of foreign exchange hedge positions of US dollars denominated provisions, the reclassification of country-risk provisions, the provisions for assets received in lieu of payment, provisions and write-off of assets received in lieu of payment, and the reclassification of provisions for our credit card loyalty program. These reclassifications enable us to carry out a business analysis from management's perspective. Beginning with the first quarter of 2019 we have been disclosing our income statement in the same manner as we do internally, incorporating additional P&L reclassifications. One important change to highlight would be the Managerial Financial Margin disclosure as it is shown in the table on page 14 (Accounting and Managerial State-ments Reconciliation) of this report together with our previous P&L reclassifications. With regards to the hedging of investments abroad, our strategy for foreign exchange risk management is aimed at mitigating t he effects of foreign exchange variations through financial instruments and includes the impact of all tax effects. As the consolidated financial statements for Itaú Corpbanca uses the Chilean peso as its functional currency, foreign currenc ies are translated into Chilean peso. In the third quarter of 2022, the Chilean peso appreciated by 5.9% against the Colombian peso, compared to a depreciation of 6.5% in the previous quarter. In addition, the Chilean peso depreciated 4.4% against the U.S. dollar in the third quarter of 2022. Approximately 34% of our loan portfolio is denominated in, or indexed to, foreign currencies. We present below the foreign exchange variation of t he Chilean peso against the U.S. dollar and the Colombian peso: For tax purposes, the Chilean Internal Revenue Service (Servicio de Impuestos Internos or "SII") considers that our investment in Colombia is denominated in U.S. dollars, which based on the exchange rates of each of disburse-ments (not current exchange rates) is US$2,207 million. This amount considers the acquisition of shares of Itaú Corpbanca Colombia from Helm LLC and Kresge Stock Holding Company announced to the market in December 3, 2019 for approximately US$334 million and the acquisi-tion of an additional 12.36% share ownership in Itaú Corpbanca Colombia on February 22, 2022 for approxi-mately US$414 million. As we have to translate the valuation of this investment from U.S. dollar to Chilean peso in our books each month, the volatility of the exchange rate generates an impact in the net income attributable to shareholders. In order to limit that effect, management has decided to hedge this exposure with derivatives to be analyzed along with income tax expenses. In addition to the New York Branch, in the first quarter of 2020, management decided to consider other investments in its hedge strategy with derivatives, also to be analyzed along with income tax expenses (total exposure US$182 million). (3Q22/2Q22) Main foreign exchange variations of the Chilean peso |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag014.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13 Management Discussion & Analysis Executive Summary We present below a detailed reconciliation from our accounting income statements to our managerial income statements before adding/deducting non-recurring events as previously described. Even though the example below has been prepared with 3Q22 figures, it can be used to replicate any period: Managerial Income Statement in Ch$ million 3Q22 in Ch$ million 3Q22 1 Interest Income 863,904 Operating Revenues 427,129 1 Interest Expense (572363) 1 Managerial Financial Margin 360,733 Net Interest Income 291,540 Financial Margin with Clients 311,488 2 Fees and commission income 66,396 Financial Margin with the Market 49,245 4 Fees and commission expense (25046) 2 Commissions and Fees 66,396 Net fee and commission income 41,350 3 Cost of Credit (94329) 1 Total financial transactions, net 61,837 Provision for Loan Losses (111365) 1 Other operating income 7,026 Recovery of Loans Written Off as Losses 17,036 Total operating income 401,753 Credit Value Adjustment (or "CVA"; ratings and colla-terals effects) - 3 Provision for Loan Losses (112670) 4 Non-interest Expenses (208873) 3 Recoveries from loans written-off as losses 17,036 Personnel Expenses (83363) 3 Result of non-current assets 1,305 Administrative Expenses (101454) Net operating income 307,424 Depreciation, Amortization and Impairment (24057) 4 Personnel expenses (83363) Income before Tax and Minority Interests 123,927 4 Administrative expenses (74416) 5 Income tax expense (10927) 4 Depreciation and amortization (24057) 6 Minority Interests in Subsidiaries (17) 4 Impairments - Net Income attributable to Shareholders 112,982 4 Other operating expenses (1992) Total operating expenses (183827) Operating Income 123,597 1 Income from investments in other companies 330 Income before taxes 123,927 5 Income tax expense (10927) Net Income 113,000 6 Minority interests (17) Net Income attributable to Shareholders 112,982 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag015.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14 Management Discussion & Analysis Executive Summary Accounting and Managerial Income Statements Reconciliation In Ch$ million Accounting Managerial Reclassifications Tax Effect of Hedge Non-recurring Events Managerial Operating Revenues 427,129 (27838) (24921) - 374,370 Managerial Financial Margin 360,733 (12764) (24921) - 323,048 Financial Margin with Clients 311,488 (5683) - - 305,804 Financial Margin with the Market 49,245 (7080) (24921) - 17,244 Commissions and Fees 66,396 (15074) - - 51,322 Cost of Credit (94329) 3,441 - - (90888) Provision for Loan Losses (111365) (2666) - - (114032) Recovery of Loans Written Off as Losses 17,036 1,047 - - 18,083 Credit Value Adjustment (or "CVA"; ratings and collaterals effects) - 5,061 - - 5,061 Non-interest Expenses (208873) 24,415 - 5,649 (178810) Personnel Expenses (83363) 2,438 - - (80925) Administrative Expenses (101454) 16,005 - 225 (85224) Depreciation, Amortization and Impairment (24057) 5,972 - 5,424 (12661) Income before Tax and Minority Interests 123,927 18 (24921) 5,649 104,672 Income Tax Expense (10927) 171 24,921 (1525) 12,640 Minority Interests in Subsidiaries (17) (189) - - (206) Recurring Net Income 112,982 0 - 4,124 117,107 Accounting and Managerial Income Statements Reconciliation \| 3 rd Quarter of 2022 Accounting and Managerial Income Statements Reconciliation \| 2 nd Quarter of 2022 In Ch$ million Accounting Managerial Reclassifications Tax Effect of Hedge Non-recurring Events Managerial Operating Revenues 524,877 (25205) (127505) 902 373,069 Managerial Financial Margin 457,405 (6818) (127505) 902 323,984 Financial Margin with Clients 256,465 19,725 - - 276,190 Financial Margin with the Market 200,940 (26542) (127505) 902 47,794 Commissions and Fees 67,472 (18387) - - 49,085 Cost of Credit (77874) 3,284 - - (74590) Provision for Loan Losses (93149) (2138) - - (95287) Recovery of Loans Written Off as Losses 15,275 2,837 - - 18,112 Credit Value Adjustment (or "CVA"; ratings and collat-erals effects) - 2,584 - - 2,584 Non-interest Expenses (205033) 21,734 - 14,134 (169165) Personnel Expenses (85234) (3016) - 8,336 (79914) Administrative Expenses (96393) 18,985 - 375 (77033) Depreciation, Amortization and Impairment (23406) 5,764 - 5,424 (12219) Income before Tax and Minority Interests 241,970 (187) (127505) 15,036 129,314 Income Tax Expense (106631) 159 127,505 (4977) 16,057 Minority Interests in Subsidiaries (1) 29 - (28) (1) Recurring Net Income 135,338 - - 10,032 145,370 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag016.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15 Management Discussion & Analysis Executive Summary We present below the managerial income statements with the reclassification and non-recurring adjustments described above: 3 rd quarter of 2022 Income Statement In Ch$ million 3Q22 2Q22 change 3Q21 change 9M22 9M21 change Operating Revenues 374,370 373,069 0.3% 1,301 278,373 34.5% 95,997 1,064,450 850,649 25.1% 213,801 Managerial Financial Margin 323,048 323,984 -0.3% (936) 230,307 40.3% 92,741 918,355 721,527 27.3% 196,827 Financial Margin with Clients 305,804 276,190 10.7% 29,615 207,861 47.1% 97,944 830,554 605,292 37.2% 225,263 Financial Margin with the Market 17,244 47,794 -63.9% (30550) 22,446 -23.2% (5203) 87,801 116,236 -24.5% (28435) Commissions and Fees 51,322 49,085 4.6% 2,237 48,066 6.8% 3,256 146,095 129,121 13.1% 16,973 Cost of Credit (90888) (74590) 21.9% (16298) (53890) 68.7% (36998) (208439) (118716) 75.6% (89724) Provision for Loan Losses (114032) (95287) 19.7% (18745) (73974) 54.2% (40058) (267716) (167119) 60.2% (100598) Recovery of Loans Written Off as Losses 18,083 18,112 -0.2% (30) 19,306 -6.3% (1224) 51,887 49,157 5.6% 2,729 Credit Value Adjustment (or "CVA"; ratings and collaterals effects) 5,061 2,584 95.8% 2,477 778 550.5% 4,283 7,390 (754) - 8,145 Non-interest Expenses (178810) (169165) 5.7% (9645) (163055) 9.7% (15755) (503326) (470238) 7.0% (33088) Personnel Expenses (80925) (79914) 1.3% (1011) (76073) 6.4% (4852) (233819) (217987) 7.3% (15832) Administrative Expenses (85224) (77033) 10.6% (8191) (74275) 14.7% (10949) (232713) (216085) 7.7% (16629) Depreciation. Amortization and Impairment (12661) (12219) 3.6% (443) (12707) -0.4% 46 (36794) (36166) 1.7% (628) Income before Tax and Minority Interests 104,672 129,314 -19.1% (24642) 61,428 70.4% 43,244 352,684 261,695 34.8% 90,989 Income Tax Expense 12,641 16,057 -21.3% (3416) (2141) - 14,782 21,084 (35003) - 56,088 Minority Interests in Subsidiaries (206) (1) 36324.3% (205) (318) -35.3% 112 (447) (1822) -75.5% 1,375 Recurring Net Income 117,107 145,370 -19.4% (28263) 58,969 98.6% 58,138 373,321 224,870 66.0% 148,452 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag017.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16 Management Discussion & Analysis Executive Summary Return on Average Tangible Equity1 Recurring Net Income Results Net income analysis presented below is based on the Managerial Income Statement with the adjustments shown on pages 11 and 12 : Ch$117.1 billion for the 3Q22 Highlights in 3Q22 For further details by country see page 40 Highlights of the quarter The Recurring Net Income amounted to Ch$117.1 billion in the third quarter of 2022, presenting a decrease of 19.4% over the previous quarter and a growth of 98.6% compared to the same period of 2021. As a result, Return on Average Tangible Equity reached 17.6% as of September 30, 2022. In Chile, the Recurring Net Income totaled Ch$114.0 billion, showing a decrease of 24.8% compared to the previous quarter, as a result of increases in Cost of Credit and Non-interest Expenses, in addition to decreases in Operating Revenues, mainly due to Financial Margin with Market. Compared to the same period of 2021, the Recurring Net Income increased by 94.5%, due to the higher results in Managerial Financial Margin that have been registered in 2022 from the growth of portfolios, the increase in interest rates and the rise in inflation. In constant currency, Colombia's Recurring Net Income totaled Ch$3.2 billion, improving compared to 2Q22, due to the decrease in the Cost of Credit for the quarter. Compared to the third quarter of 2021, this result presented an increase of 720.2%, driven by the lower Cost of Credit and improvement in the Margin with Clients derived from the higher interest rates of the current year and its positive impact on the results of liabilities and capital. 17.6% The annualized recurring return on average tangible equity reached 17.6% in the third quarter of 2022, 4.6 percentage points below the value recorded in the previous quarter and 4.4 percentage points higher than the ratio observed in the third quarter of 2021. Average tangible shareholders equity totaled Ch$2,666.6 billion, representing an increase of 1.5% compared to the last quarter and a 49.2% increase compared to the same period of 2021, as a result of the capital in-crease made by the Bank and the higher results obtained in 2022. Annualized recurring return on average assets ex-goodwill and ex-intangibles from business combinations reached 1.2% in the third quarter of 2022, showing a decrease of 38bps compared to the previous quarter and a growth of 47bps compared to the third quarter of 2021, as a result of the higher results recorded in the current year. For further details by country see page 47 (1) Tangible Equity: Shareholders equity net of goodwill, intangibles from business combination and related deferred tax liabilities. Ch$ million 58,969 82,365 110,845 145,370 117,107 3Q '21 4Q'21 1Q'22 2Q '22 3Q '22 -19.4% +66.6% 224,870 373,321 9M21 9M22 +98.6% 13.2% 13.9% 16.9% 22.1% 17.6% 16.9% 18.8% 0.7% 0.9% 1.2% 1.5% 1.2% 0.9% 1.3% 1 0. 0% 1 5.0% 20. 0% 25. 0% 30. 0% 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 9M21 9M22 -3.0% -2.0% -1 .0% 0.0% 1 .0% 2.0% 3.0% Annualized Recurring Return on Average Equity (quarterly) Annualized Recurring Return on Average Assets (quarterly) +4.4pp -4.6pp +2.0pp |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag018.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 53,890 85,099 42,961 74,590 90,888 118,716 208,439 0.9 1.4 0.7 1.2 1.4 0.7 1.1 - 3. 0 - 2. 6 - 2. 2 - 1. 8 - 1. 4 - 1. 0 - 0. 6 - 0. 2 0.2 0.6 1 .0 1 .4 1 .8 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 9M21 9M22 - 50,00 1 0,000 1 50,000 200, 00 250, 00 300, 00 Cost of credit (Ch$ million) Cost of credit / Loan portfolio - Annualized (%) +47.1pb +20.2pb +41.8pb Financial Margin with Clients Cost of Credit Ch$305.8 billion For further details by country see pages 24 and 34 Ch$90.9 billion Commissions and Fees Efficiency Ratio For further details by country see pages 26 and 36 47.8% The Financial Margin with Clients increased by 10.7% in the third quarter of 2022, compared to the previous period, due to the higher results in liabilities and capital observed in Chile and Colombia, as a result of the increase in monetary policy rates registered in both countries, together with the growth of loans that has been observed in Chile. When compared to the third quarter of 2021, our Financial Margin with Clients increased by 47.1%, due to the growth of asset and liability portfolios and the higher value of the average TPM in force to date (in Chile and Colombia). In the third quarter of 2022, the Bank's Efficiency ratio showed an increase of 2.4 percentage points compared to the previous quarter, totaling 47.8%, a variation that is due to the 5.7% growth in Non-interest Expenses, offset by an 0.3% growth in Operating Revenues When compared to the third quarter of 2021, the Efficiency ratio decreased by 10.8 percentage points, mainly due to the 34.5% increase in Operating Revenues, offset by the 9.7% increase in Non-interest Expenses. The Cost of Credit for the third quarter of 2022, presented an increase of 21.9% compared to the previous quarter, as a result of downgrades of specific wholesale clients, growth of the loans portfolio and greater delin-quency in Retail, from which additional provisions of Ch$20.0 billion were recorded in this quarter (higher by Ch$5.0 billion than the previous quarter), mainly in Chile. When compared to the third quarter of 2021, the Cost of Credit increased by 68.7%, mostly due to positive effects registered in the Cost of Credit during the year 2021, product of the economic support applied in the COVID 19 pandemic, mainly in Chile. 48,066 41,110 45,688 49,085 51,322 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 129,121 146,095 9M21 9M22 +4.6% +6.8% +13.1% Ch$51.3 billion In the third quarter of 2022, Commissions and Fees increased by 4.6% compared to the previous period, due to higher results obtained in Chile in Financial Advisory and Others services and Insurance commissions associat-ed, mainly, with the greater activity of consumer and cross selling derivative. When compared to the third quarter of 2021, Commissions and Fees increased by 6.8% due to the higher results observed in Chile in relation to Financial Advisory and Others and Insurance Brokerage commissions, offsetting the decrease in Colombia's results in structuring commissions and Financial Advisory services. For further details by country see pages 31 and 41 Management Discussion & Analysis Executive Summary For further details by country see pages 27 and 37 207,861 249,243 248,560 276,190 305,804 605,292 830,554 2.75 3.14 3.20 3.46 3.67 2.75 3.45 - 3. 0 - 2. 0 - 1. 0 - 1 .00 2.00 3.00 4.00 50,00 1 0,000 1 50,000 200, 00 250, 00 300, 00 350, 00 400, 00 450, 00 500, 00 550, 00 600, 00 650, 00 700, 00 750, 00 800, 00 850, 00 900, 00 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 9M21 9M22 Financial Margin with Clients Financial margin with clients (annualized average rate) +91.1pb +20.5pb Ch$ million +70.4pb Ch$ million Ch$ million -10.81% -7.99% +2.42% 58.6% 51.9% 49.0% 45.3% 47.8% 55.3% 47.3% 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 9M21 9M22 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag019.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18 Management Discussion & Analysis Executive Summary 2022 Forecast The historical results, the analysis of the trends observed in critical business variables (levels of portfolio growth, retur ns, risk and expense control, among others), capital requirements; as well as the analysis and continuous review of the general environmen t in which the Bank's commercial activity is carried out (macroeconomic, social, regulatory, etc.) constitute the basis for the de finition of the financial objectives generated in the annual strategic planning process, which are finally translated into the measuremen t of Forecast that establishes the base framework for the development and focus of the commercial actions of the year. In this way, for the year 2022 the Forecast Bank considers: Although the growth plans and projections of results presented above are based on management assumptions and information avai lable in the market at the beginning of 2022, these expectations involve inaccuracies and risks that are difficult to anticipate and there may be, therefore, results or consequences that differ from those anticipated. This information is not a guarantee of future performance. The use of the se expectations should take into consideration the risks and uncertainties that involve any activities and that are beyond our control. These risks and uncertainties include, but are not limited to, our ability to perceive the dimension of the synergies projected and their timing, political and econ omic changes, volatility in interest and foreign exchange rates, technological changes, inflation, financial disintermediation, competitive pressures on products, prices and changes in tax legislation, among others. (1) Net provision for credit & counterparty risks belowinflation increasing as interest rates rise high single digit Financial margin with clients average rate Loan growth Cost of credit risk1 Non-Interest Expenses growth range from 0.7% to 1.0% Expected  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag020.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income Statement and Balance Sheet Analysis 02 Management Discussion & Analysis and Complete Balance sheet & income statements  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag021.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(This page was intentionally left blank)  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag022.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21 Management Discussion & Analysis Income Statement Analysis Managerial Results \| Breakdown by Country The financial results of Itaú Corpbanca in Chile include some expenses associated with our Colombian operations. To provide a clear view of the contribution of each operation to the consolidated financial results we have reclassified from Chile to Colombia: • the cost of derivative structures used to hedge the investment and its related tax effects; and • other results and overhead costs from Colombia in Chile. For more details on managerial information, please refer to pages 11, 12 and 13 of this report. Highlights In this section, we present and analyze our results from the operations in Chile and in Colombia separately for 3Q22, 2Q22 an d 3Q21: 3Q22 2Q22 Change In Ch$ million Consolidated Chile Colombia1 Consolidated Chile Colombia1 Consolidated Chile Colombia1 Operating Revenues 374,370 308,438 65,834 373,069 316,137 73,078 0.3% -2.4% -9.9% Managerial Financial Margin 323,048 264,606 58,344 323,984 276,893 63,237 -0.3% -4.4% -7.7% Financial Margin with Clients 305,804 234,085 71,719 276,190 210,006 66,184 10.7% 11.5% 8.4% Financial Margin with the Market 17,244 30,521 (13376) 47,794 66,887 (2947) -63.9% -54.4% 353.9% Commissions and Fees 51,322 43,832 7,490 49,085 39,244 9,841 4.6% 11.7% -23.9% Cost of Credit (90888) (78314) (12574) (74590) (57693) (16897) 21.9% 35.7% -25.6% Provision for Loan Losses (114032) (95960) (18071) (95287) (74062) (21225) 19.7% 29.6% -14.9% Recovery of Loans Written Off as Losses 18,083 12,586 5,497 18,112 13,784 4,328 -0.2% -8.7% 27.0% Credit Value Adjustment (or "CVA"; ratings and collaterals effects) 5,061 5,061 - 2,584 2,584 - 95.8% 95.8% - Non-interest Expenses (178810) (130324) (48485) (169165) (121754) (47411) 5.7% 7.0% 2.3% Personnel Expenses (80925) (60969) (19956) (79914) (58992) (20921) 1.3% 3.4% -4.6% Administrative Expenses (85224) (59560) (25663) (77033) (53521) (23512) 10.6% 11.3% 9.2% Depreciation, Amortization and Impairment (12661) (9795) (2866) (12219) (9241) (2978) 3.6% 6.0% -3.7% Income before Tax and Minority Interests 104,672 99,800 4,774 129,314 136,690 8,771 -19.1% -27.0% -45.6% Income Tax Expense 12,641 14,202 (1535) 16,057 14,891 (3194) -21.3% -4.6% -52.0% Minority Interests in Subsidiaries (206) (47) (159) (1) 39 (40) 36324.3% -220.8% 301.9% Costs of hedge positions - - 72 - - (11787) - - -100.6% Recurring Net Income 117,107 113,955 3,152 145,370 151,620 (6250) -19.4% -24.8% -150.4% Recurring Return on Managerial Tangible Equity 17.6% 21.2% 2.4% 22.1% 29.1% -4.6% -456 bps -793 bps 702 bps 3Q22 3Q21 Change In Ch$ million Consolidated Chile Colombia1 Consolidated Chile Colombia1 Consolidated Chile Colombia1 Operating Revenues 374,370 308,438 65,834 278,373 219,262 62,014 34.5% 40.7% 6.2% Managerial Financial Margin 323,048 264,606 58,344 230,307 181,918 51,292 40.3% 45.5% 13.7% Financial Margin with Clients 305,804 234,085 71,719 207,861 158,135 49,726 47.1% 48.0% 44.2% Financial Margin with the Market 17,244 30,521 (13376) 22,446 23,783 1,566 -23.2% 28.3% -954.0% Commissions and Fees 51,322 43,832 7,490 48,066 37,344 10,722 6.8% 17.4% -30.1% Cost of Credit (90888) (78314) (12574) (53890) (29039) (24851) 68.7% 169.7% -49.4% Provision for Loan Losses (114032) (95960) (18071) (73974) (43922) (30052) 54.2% 118.5% -39.9% Recovery of Loans Written Off as Losses 18,083 12,586 5,497 19,306 14,105 5,201 -6.3% -10.8% 5.7% Credit Value Adjustment (or "CVA"; ratings and collaterals effects) 5,061 5,061 - 778 778 - 550.5% 550.5% - Non-interest Expenses (178810) (130324) (48485) (163055) (114902) (48153) 9.7% 13.4% 0.7% Personnel Expenses (80925) (60969) (19956) (76073) (54190) (21883) 6.4% 12.5% -8.8% Administrative Expenses (85224) (59560) (25663) (74275) (51279) (22995) 14.7% 16.1% 11.6% Depreciation, Amortization and Impairment (12661) (9795) (2866) (12707) (9432) (3275) -0.4% 3.8% -12.5% Income before Tax and Minority Interests 104,672 99,800 4,774 61,428 75,321 (10990) 70.4% 32.5% -143.4% Income Tax Expense 12,641 14,202 (1535) (2141) (16690) 13,765 -690.3% -185.1% -111.2% Minority Interests in Subsidiaries (206) (47) (159) (318) (47) (271) -35.3% -0.1% -41.4% Costs of hedge positions - - 72 - - (2120) - - -103.4% Recurring Net Income 117,107 113,955 3,152 58,969 58,584 384 98.6% 94.5% 720.3% Recurring Return on Managerial Tangible Equity 17.6% 21.2% 2.4% 13.2% 17.2% 0.4% 437 bps 395 bps 208 bps (1) In nominal currency |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag023.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22 Management Discussion & Analysis Income Statement Analysis The Accounting and Managerial Net Income Statement Reconciliation for 3Q22, 2Q22 and 3Q21 is presented below: Managerial reclassifications: (a) Other results and overhead costs from Colombia in Chile: other results and overhead costs incurred by the administration in Chile and managerially assigned to Colombia. (b) Cost of Economic Hedge: carry cost of the derivatives used for the economic hedge of the investment in Colombia, booked in Chile. (c) Cost of Fiscal Hedge: cost of the derivative structure used for the fiscal hedge of the investment in Colombia, currently booked in Chile. Accounting and Managerial Net Income Statement Reconciliation In Ch$ million 3Q22 2Q22 3Q21 9M22 9M21 Net Income Attributable to Shareholders (Accounting) 109,967 135,091 51,774 347,527 199,615 (+) Non-recurring events 4,123 4,891 5,317 13,714 13,325 (+) Other results and overhead costs from Colombia in Chile (a) (64) (149) (626) (176) (3890) (+) Costs of fiscal and economic hedges of the investment in Colombia (b) (c) (72) 11,787 2,120 16,401 1,835 Recurring Net Income 113,955 151,620 58,584 377,465 210,886 In Ch$ million 3Q22 2Q22 3Q21 9M22 9M21 Net Income Attributable to Shareholders (Accounting) 3,016 247 1,849 6,940 11,901 (+) Non-recurring events - 5,140 29 5,140 29 (+) Other results and overhead costs from Colombia in Chile (a) 64 149 626 176 3,890 (+) Costs of fiscal and economic hedges of the investment in Colombia (b) (c) 72 (11787) (2120) (16401) (1835) Recurring Net Income 3,152 (6250) 384 (4144) 13,983 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag024.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23 Management Discussion & Analysis Income Statement Analysis Net Income analysis for Chile presented below is based on the Managerial Income Statement with the adjustments shown on pages 21 and 22: Managerial Results \| Breakdown for Chile change change change In Ch$ million 3Q22 2Q22 % $3Q21 % $9M22 9M21 % $ Operating Revenues 308,438 316,137 -2.4% (7699) 219,262 40.7% 89,176 889,516 655,796 35.6% 233,720 Managerial Financial Margin 264,606 276,893 -4.4% (12287) 181,918 45.5% 82,688 767,630 550,793 39.4% 216,837 Financial Margin with Clients 234,085 210,006 11.5% 24,079 158,135 48.0% 75,950 637,236 462,010 37.9% 175,225 Financial Margin with the Market 30,521 66,887 -54.4% (36366) 23,783 28.3% 6,738 130,394 88,782 46.9% 41,612 Commissions and Fees 43,832 39,244 11.7% 4,588 37,344 17.4% 6,488 121,886 105,003 16.1% 16,883 Cost of Credit (78314) (57693) 35.7% (20620) (29039) 169.7% (49275) (167300) (63179) 164.8% (104121) Provision for Loan Losses (95960) (74062) 29.6% (21899) (43922) 118.5% (52038) (212114) (97612) 117.3% (114502) Recovery of Loans Written Off as Losses 12,586 13,784 -8.7% (1198) 14,105 -10.8% (1520) 37,424 35,188 6.4% 2,236 Credit Value Adjustment (or "CVA"; ratings and collaterals effects) 5,061 2,584 95.8% 2,477 778 550.5% 4,283 7,390 (754) - 8,145 Non-interest Expenses (130324) (121754) 7.0% (8570) (114902) 13.4% (15422) (367050) (340316) 7.9% (26734) Personnel Expenses (60969) (58992) 3.4% (1976) (54190) 12.5% (6779) (171568) (154096) 11.3% (17472) Administrative Expenses (59560) (53521) 11.3% (6040) (51279) 16.1% (8281) (167256) (158973) 5.2% (8283) Depreciation. Amortization and Impairment (9795) (9241) 6.0% (554) (9432) 3.8% (363) (28225) (27247) 3.6% (978) Income before Tax and Minority Interests 99,800 136,690 -27.0% (36890) 75,321 32.5% 24,478 355,167 252,301 40.8% 102,865 Income Tax Expense 14,202 14,891 -4.6% (689) (16690) - 30,892 22,353 (41354) - 63,707 Minority Interests in Subsidiaries (47) 39 - (86) (47) -0.1% 0 (55) (61) -10.1% 6 Recurring Net Income 113,955 151,620 -24.8% (37665) 58,584 94.5% 55,371 377,465 210,886 79.0% 166,579 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag025.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;24 Management Discussion & Analysis Income Statement Analysis Managerial Financial Margin • Financial Margin with Clients showed an increase of 11.5% compared to the previous quarter, driven by greater activity in derivatives and FX transactions with clients, positive effects on the return on capital and liabilities associated with the i ncrease in the TPM in the quarter, in addition to higher results due to growth in loans. • Financial Margin with the Market amounted to Ch$30.5 billion in the third quarter of 2022, decreasing compared to the previou s quarter by 54.4%, as a result of a decrease in profits associated with UF readjustments and lower income obtained by the trading desk. Highlights Managerial Financial Margin Financial Margin with Clients Ch$234.1 billion - 54.4% (3Q22/2Q22) + 28.3% (3Q22/3Q21) Financial Margin with the Market Ch$30.5 billion + 11.5% (3Q22/2Q22) + 48.0% (3Q22/3Q21) Financial Margin with Clients Change in the Financial Margin with Clients Breakdown Financial Margin with Clients comprises our spread-sensitive operations, working capital and others. Spread-sensitive operations are: (i) the assets margin, which is the difference between the amount received in loan operations and the cost of money char ged by treasury banking and (ii) the liabilities margin, which is the difference between the cost of funding and the amount received from treasury banking. Working capital margin is the interest on working capital at the TPM. 1 2 4 158,135 197,957 193,145 210,006 234,085 23,783 45,586 32,986 66,887 30,521 181,918 243,543 226,131 276,893 264,606 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Financial Margin with Clients Financial Margin with the Market Ch$ million 3 1 3 2 4 Assets financial margin Liabilities financial margin Assets financial margin (+Ch$4,349 million): improvement supported by the growth of the loan portfolio associated with both products of the Wholesale business (commercial loans and foreign trade), as well as consumer and mortgage loans in the Retail business, offsetting the negative impact of interest rate increases on the average spread of the loan portfolio. Liabilities financial margin (+Ch$3,071 million): mainly due to increase in the profitability of this portfolio, as a result of the higher value of the average TPM observed in this period. Commercial spreads on derivatives and FX transactions with clients (+Ch$8,748 million): due to an increase in commercial activity in derivatives and FX transactions, highlighting some specific operations of Wholesale Banking client in September 2022. Capital financial margin and others (+Ch$7,911 million): mainly due to a higher capital remuneration generated by the rise in the value of the TPM and a higher number of calendar days in 3Q22. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag026.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25 Management Discussion & Analysis Income Statement Analysis UF net exposure (Ch$ trillion) UF - Unidad de Fomento (variation value) Annualized average rate of financial margin with clients Financial Margin with the Market Financial Margin with the Market includes (i) treasury banking, which manages mismatches of assets and liabilities (ALM – Assets and Liability Management), tenors, currencies and interest rates and (ii) treasury trading, which manages proprietary portfol ios and may assume directional positions, in compliance with the limits established by our risk appetite. Financial Margin with Market decreased by 54.4% in 3Q22 compared to 2Q22, a lower result that is explained by a reduction in profits related to UF readjustments, given the lower positive variation registered by this monetary unit in the third quarter of the year, in addition to the increase in financing costs derived from the higher value of the TPM and lower profits obtained by the tradin g desk. 3Q22 2Q22 In Ch$ millions, end of period Average Balance Average Rate Financial Margin Average Balance Average Rate Financial Margin Financial Margin with Clients 27,449,953 3.4% 234,085 26,069,972 3.2% 210,006 Cost of Credit (78314) (57693) Risk-Adjusted Financial Margin with Clients 27,449,953 2.2% 155,771 26,069,972 2.3% 152,312 Financial Margin with Clients: + 16 bp • Growth of loans and greater margin of liabili-ties and capital due to increase in the TPM. 2.6% 3.1% 3.1% 3.2% 3.4% 2.1% 2.0% 2.6% 2.3% 2.3% 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 0.00 0.02 0.04 Financial margin with clients Risk-adjusted financial margin with clients 23,783 45,586 32,986 66,887 30,521 32,033 33,592 26,720 42,311 43,995 - 5,000 1 0, 00 1 5, 00 20,00 25,00 30,00 35,00 40,00 45,00 50,00 - 1 0, 00 20,00 30,00 40,00 50,00 60,00 70,00 80,00 90,00 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Financial Margin with the Market 1-year moving average Ch$ million 1.4 2.0 1.7 1.4 1.4 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 1.3% 3.0% 2.4% 4.2% 3.5% 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Risk-Adjusted Financial Margin with Clients: - 9 bp • Decrease as a result of the 35.7% growth in the Cost of Credit. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag027.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;26 Management Discussion & Analysis Income Statement Analysis Commissions and Fees • In the third quarter of the year, Commission and Fees totaled Ch$43.8 billion, 11.7% higher than the results of the previous quarter, due to an improvement in Financial Advisories and Others commissions related to higher credit card and brokerage fees recorded in 3Q22, as well as higher results in Insurance Brokerage commissions driven by the growth in loans portfolios and the improvement in respective cross selling. • When compared to the third quarter of 2021, Commissions and Fees increased by 17.4%, as a result of the higher Financial Advisory and Others commissions observed during 3Q22, in addition to the higher income of Insurance Brokerage (mentioned above), as well as the profits associated with contingent operations, mainly guarantees provided. Highlights In Ch$ million 3Q22 2Q22 change 3Q21 change 9M22 9M21 change Insurance Brokerage 11,433 9,967 1,466 14.7% 9,499 1,934 20.4% 31,154 25,805 5,349 20.7% Credit Operations and Guarantees Provided 8,666 7,941 725 9.1% 7,445 1,220 16.4% 24,408 21,742 2,666 12.3% Current Account Services and Overdraft Fees 8,223 8,205 18 0.2% 7,907 316 4.0% 25,225 22,943 2,282 9.9% Asset Management 3,292 3,155 137 4.3% 3,282 10 0.3% 9,900 9,561 339 3.5% Financial Advisory and Others 12,218 9,975 2,243 22.5% 9,210 3,008 32.7% 31,200 24,952 6,247 25.0% Total Commissions and Fees 43,832 39,244 4,588 11.7% 37,344 6,488 17.4% 121,886 105,003 16,883 16.1% Commissions and Fees Breakdown 3Q22 2Q22 26% 20% 8% 28% 19% Insurance Brokerage Credit Operations and Guarantees Provided Asset Management Financial Advisory and Others Current Account Services and Overdraft Fees 25% 20% 8% 25% 21% Insurance Brokerage Credit Operations and Guarantees Provided Asset Management Financial Advisory and Others Current Account Services and Overdraft Fees |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag028.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;27 Management Discussion & Analysis Income Statement Analysis Cost of Credit Our net provisions for loan losses over loan portfolio increased by 33 percentage points compared to the previous quarter, due to growth in the level of credit provisions, mentioned above. In the 12-month comparison, this ratio showed an increase of 85 percentage points. Allowance for Loan Losses and Loan Portfolio Cost of Credit and Loan Portfolio In the third quarter of 2022, the Cost of Credit totaled Ch$78.3 billion, which is an increase of 35.7% compared to the previous quarter. The variation indicated is explained by the recognition of higher credit provisions due to adjustments in the risk classification (downgrades) applied to specific cases of clients in the Wholesale segment and an increase in the delinquency of the consumer portfolio, from which additional provisions of Ch$20.0 billion were recorded in this quarter (higher by Ch$5.0 billion than the previous quarter). On the other hand, the positive variation in CVA's results stands out, which is due to specific improvements in Wholesale clients provisions in 3Q22. When compared to the third quarter of 2021, the Cost of Credit showed a growth of 169.7%, as a result of the recognition of additional provisions of Ch$20.0 billion in 3Q22, in addition to positive effects on the delinquency of the loan portfolio registered during the previous year, as a result of the COVID-19 economic support measures, imple-mented by the Chilean government. In the third quarter of 2022, the total allowance for loan losses, including additional provisions, showed a growth of 7.8% over the previous quarter, totaling Ch$679.1 billion, while our average loan portfolio grew by 5.3% compared to the previous quarter, reaching Ch$21.4 trillion. As a result, the ratio of total allowance for loan losses, including additional provisions, over loan portfolio grew in the third quarter of 2022, from 3.10% to 3.18% compared to the previous period. In Ch$ million 3Q22 2Q22 change 3Q21 change 9M22 9M21 change Net Provision for Loan Losses (83375) (60278) (23097) 38.3% (29817) (53558) 179.6% (174690) (62425) (112266) 179.8% Provision for Loan Losses (95960) (74062) (21899) 29.6% (43922) (52038) 118.5% (212114) (97612) (114502) 117.3% Recovery of Loans Written Off as Losses 12,586 13,784 (1198) -8.7% 14,105 (1520) -10.8% 37,424 35,188 2,236 6.4% Credit Value Adjustment (or "CVA"; ratings and collaterals effects) 5,061 2,584 2,477 95.8% 778 4,283 550.5% 7,390 (754) 8,145 - Cost of Credit (78314) (57693) (20620) 35.7% (29039) (49275) 169.7% (167300) (63179) (104121) 164.8% (\*) Average Loan Portfolio 544,910 638,892 655,971 511,402 519,439 537,200 523,109 502,854 531,769 64,500 104,600 78,211 78,211 86,211 105,711 112,379 127,379 147,379 609,410 743,492 734,182 589,613 605,650 642,911 635,488 630,233 679,148 3.20 3.99 4.00 3.18 3.22 3.29 3.24 3.10 3.18 - 0.1 0.1 0.2 0.2 0.3 0.3 0.4 0.4 0.5 0.5 0.6 0.6 0.7 0.7 0.8 0.8 0.9 0.9 1 .0 1 .0 1 .1 1 .1 1 .2 1 .2 1 .3 1 .3 1 .4 1 .4 1 .5 1 .5 1 .6 1 .6 1 .7 1 .7 1 .8 1 .8 1 .9 1 .9 2.0 2.0 2.1 2.1 2.2 2.2 2.3 2.3 2.4 2.4 2.5 2.5 2.6 2.6 2.7 2.7 2.8 2.8 2.9 2.9 3.0 3.0 3.1 3.1 3.2 3.2 3.3 3.3 3.4 3.4 3.5 3.5 3.6 3.6 3.7 3.7 3.8 3.8 3.9 3.9 4.0 4.0 4.1 4.1 4.2 4.2 4.3 4.3 4.4 - 600, 00 1 ,20,000 3Q'20 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Allowances for loan losses (Ch$ million) - Chile Additional provisions (Ch$ million) - Chile Total provisions Allowances for loan losses / Loan portfolio (%) 43,922 93,812 42,092 74,062 95,960 29,039 69,889 31,293 57,693 78,314 0.6 1.4 0.6 1.1 1.5 -2.0 -1 .6 -1 .2 -0. 8 -0. 4 0.0 0.4 0.8 1 .2 1 .6 2.0 2.4 - 10,000 1 0, 00 30,00 50,00 70,00 90,00 1 10,000 1 30,000 1 50,000 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Provision for loan losses (Ch$ million) Cost of credit (Ch$ million) Cost of credit / Loan portfolio\* - Annualized (%) |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag029.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;28 Management Discussion & Analysis Income Statement Analysis Credit Quality Delinquency Ratios Non-Performing Loans NPL Ratio (%) by Segments \| over 90 days In the third quarter of 2022, the total NPL ratio amounted to 1.89%, representing an increase of 6 basis points over the previous quarter. This growth in the ratio is due to the higher volume of commercial NPL portfolio observed in the quarter (Wholesale portfolio), in addition to the growth trend in consumer delinquencies, in the current scenario where the economic support applied by the gov-ernment authority is lower than those observed in previous periods. The NPL ratio over 90 days for commercial loans decreased by 7bp in the quarter compared to the previous quarter (excluding Stu-dents loans); while the ratio associated with the consumer portfolio increased from 1.65% to 1.75% and the mortgage ratio showed a decline of 1bp, closing at 0.81%. Compared to the previous quarter, the portfolio of loans with non-performing loans over 90 days increased by Ch$32.1 billion or 8.2%, as a result of the growth of 8.9% in the NPL portfolio of commercial loans, which is in turn mainly due to specific cases of delinquency in Wholesale clients, likewise, there was a growth of 9.8% in the consumer portfolio NPL. When compared to the same quarter of the previous year, this portfolio showed an increase of 9.1%, due to growth in the consumer and commercial NPL. 2.11% 2.20% 2.79% 2.99% 2.67% 1.94% 1.90% 2.31% 2.38% 1.71% 1.69% 2.40% 2.63% 2.43% 1.61% 1.58% 2.06% 2.13% 1.26% 1.12% 1.07% 0.99% 0.87% 0.87% 0.85% 0.82% 0.81% 1.22% 1.66% 1.75% 1.62% 1.14% 1.03% 1.44% 1.65% 1.75% 1.82% 1.87% 2.25% 2.33% 2.04% 1.56% 1.56% 1.83% 1.89% 3Q'20 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Commercial Comm. ex-Students loans Mortgage Consumer Total Coverage Ratio1 NPL Ratio (%) (%) \| 90 days \| over 90 days (1) Coverage Ratio includes additional provisions. 177 218 177 136 156 206 203 161 160 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Chile As of September 30, 2022, the 90-day coverage ratio reached 160%, remaining substantially unchanged from the previous quarter, as the growth in the NPL portfolio for the period was accompanied by higher credit provisions derived from portfolio growth and the recognition of additional provisions. When compared to 3Q21, the coverage ratio increased slightly (4 percentage points), given the combined effects of higher NPL portfolio and increase in the level of provisions in 3Q22. 1.82 1.87 2.25 2.33 2.04 1.56 1.56 1.83 1.89 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Chile The NPL ratio of credits 90-day overdue showed a growth of 6 basis points compared to the previous quarter, as a result of the higher volume of NPL portfolio observed in this quarter. When compared to 3Q21, there was a decrease of 16 basis points in the ratio, since although there has been an increase in the NPL portfo-lio between these periods (9.1%, as mentioned above); the loan portfolio totaled a growth of 18.2% between the 12 months compared. 344,973 341,037 415,576 432,944 388,703 311,493 312,773 392,051 424,162 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Non-per forming Loans over 90 days - Chile Ch$ million |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag030.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;29 Management Discussion & Analysis Income Statement Analysis \* Loan portfolio average balance of the two previous quarters. In the third quarter of 2022, loan portfolio write-offs totaled Ch$40.7 billion, which represents a decrease of 37.1% compared to the previ-ous quarter, since during 2Q22 there was a one-time increase in write-offs associated with commercial credits (specific cases of Wholesale clients). When compared to 2Q22, the ratio of written-off operations to loan portfolio average balance decreased by 50 basis points, amounting to 0.74% and decreased by 7 basis points compared to the same period of the previous year. Loan Portfolio Write-Off 49.7 47.7 36.3 45.0 38.1 44.8 29.6 64.6 40.7 1.04 1.02 0.79 0.97 0.81 0.92 0.59 1.24 0.74 0.00 0.1 0 0.20 0.30 0.40 0.50 0.60 0.70 0.80 0.90 1 .00 1 .10 1 .20 1 .30 1 .40 1 .50 0 5 1 0 1 5 2 0 2 5 3 0 3 5 40 45 50 55 60 65 7 0 7 5 80 85 90 3Q'20 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Write-off (Ch$ billion) - Chile Write-off / Loan Portfolio\* - Annualized (%) Recovery of Loans Written-off as Losses As of September 30, 2022, income from recoveries of written-off loans totaled Ch$12.6 billion, 8.7% lower than the level of income in the pre-vious quarter, as a result of higher recoveries of commercial credits recorded during 2Q22. When compared to the third quarter of 2021, the income from recov-ery of loans written-off registered a decrease of 10.8%, due to greater recoveries of consumer and commercial loans observed during the same quarter of 2021. Ch$ million 14,105 14,745 11,054 13,784 12,586 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Recovery of Loan Written-off as Losses (Ch$ million) - Chile Ch$ million |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag031.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;30 Personnel expenses Administrative Expenses Administrative Expenses amounted to Ch$59.6 billion in the third quarter of 2022, presenting a growth of 11.3% compared to the previ-ous period, as a result of higher consulting and advisory expenses recorded in the third quarter of the year. When compared to the third quarter of 2021, Administrative Expens-es increased by 16.1%, resulting from higher technology and opera-tional expenses associated with business development in the context of the digital transformation strategy. Depreciation, Amortization and Impairment Depreciation, Amortization and Impairment expenses totaled Ch$9.8 billion in the third quarter of 2022, an increase of 6.0% compared to 2Q22, due to the growth in the asset base subject to amortization. When compared to the same period in 2021, these expenses presented an increase of 3.8%, due to the increase in the base of assets subject to amortization. Non-interest Expenses • In the third quarter of 2022, Non-interest Expenses amounted to Ch$130.3 billion, showing an increase of 7.0% compared to the previous quarter, mainly due to increases in Administrative and Personnel Expenses. • When compared to the third quarter of 2021, Non-interest Expenses increased by 13.4%, which is due to the effects of CPI and devaluation of the Chilean peso against the dollar registered in the current year, in addition to the growth in headcount level. Highlights In the third quarter of 2022, Personnel Expenses increased by 3.4%, compared to the previous quarter and 12.5% when compared to the same period in 2021, as a result of the increase in headcount level, 1.7% and 2.7%, respectively and growth in wages, caused by higher inflation. Headcount 5,298 Headcount in Chile and New York at the end of the 3Q22 + 1.7% (3Q22/2Q22) + 2.7% (3Q22/3Q21) The total number of employees including the Itaú Corpbanca New York branch was 5,298 at the end of the third quarter of 2022 compared to 5,210 in the previous quarter and 5,160 at the end of the third quarter of 2021, an increase of 2.7% in headcount in a twelve-month period. Management Discussion & Analysis In Ch$ million 3Q22 2Q22 change 3Q21 change 9M22 9M21 change Personnel Expenses (60969) (58992) (1976) 3.4% (54190) (6779) 12.5% (171568) (154096) (17472) 11.3% Administrative Expenses (59560) (53521) (6040) 11.3% (51279) (8281) 16.1% (167256) (158973) (8283) 5.2% Personnel and Administrative Expenses (120529) (112513) (8016) 7.1% (105470) (15060) 14.3% (338824) (313069) (25755) 8.2% Depreciation, Amortization and Impairment (9795) (9241) (554) 6.0% (9432) (363) 3.8% (28225) (27247) (978) 3.6% Total Non-interest Expenses (130324) (121754) (8570) 7.0% (114902) (15422) 13.4% (367050) (340316) (26734) 7.9% 5,331 5,266 5,249 5,187 5,160 5,125 5,177 5,210 5,298 -4.5% -1.2% -0.3% -1.2% -0.5% -0.7% 1.0% 0.6% 1.7% -1 0.0% -8.0% -6.0% -4.0% -2.0% 0.0% 2.0% 4.0% 4,50 4,70 4,90 5,100 5,30 5,50 5,70 5,90 6,100 6,30 6,50 6,70 6,90 7,100 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Chile Δ% QoQ Income Statement Analysis |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag032.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;31 Management Discussion & Analysis Efficiency Ratio We present the evolution of the efficiency ratio: 52.4% 46.3% 43.4% 38.5% 42.3% 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Efficiency ratio Income Statement Analysis Efficiency Ratio In the third quarter of 2022, our Efficiency Ratio totaled 42.3%, up 3.7 percentage points compared to the previous quarter. This is explained by the combination of a 7.0% increase in the level of Non-interest Expenses and the 2.4% reduction in Operating Revenues (decrease in Finan-cial Margin with Market). When compared to the third quarter of 2021, the Efficiency Ratio decreased by 10.2 percentage points, mainly due to higher Operating Reve-nues. Distribution Network Points of Service in Chile Our distribution network provides integrated financial services and products to our customers through diverse channels, inclu ding ATMs, branch offices (physical and digital), mobile banking, internet banking and telephone banking. Branches \| Chile and New York 185 185 187 185 182 182 180 165 165 2 4 4 4 4 6 6 9 12 -1.6% 1.1% 1.1% -1.0% -1.6% 1.1% -1.1% -6.5% 1.7% -20% -1 5% -1 0% -5% 0% 5% - 50 1 0 1 50 200 250 300 350 400 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Physical Digital Δ% Branches Chile QoQ As of September 30, 2022, we have 177 branches, growing by 1.7% compared to the previous quarter, a variation explained by the formation of 3 new digital branches. On the other hand, the total number of branches decreased by 4.8% (or 9 branches less) com-pared to the level observed as of September 30, 2021, which is due to the digital transformation strategy developed by the Bank. Automated Teller Machines (ATMs) \| Chile At the end of the third quarter of 2022, the number of ATMs to-taled 358 in Chile, 0.6% higher than the level observed in the previous quarter, totaling a decrease of 11.7% in the comparison in twelve months. Additionally, it is worth mentioning that, through our agreement with Redbanc, our clients have access to more than 7,000 ATMs in Chile. 396 398 397 393 397 398 366 352 354 10 10 9 9 4 4 4 4 4 -0.5% 0.5% -0.5% -1.0% -0.2% 0.2% -8.0% -3.8% 0.6% -20% -1 5% -1 0% -5% 0% 5% - 50 1 0 1 50 200 250 300 350 400 450 500 550 600 650 700 750 800 850 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Itaú Banco Condell Δ% ATMs Chile QoQ Non-interest Expenses (Personnel + Administrative + Depreciation & Amortization + Impairment) Managerial Financial Margin + Commission and Fees = Efficiency Ratio |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag033.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;32 Credit Portfolio • The consolidated credit portfolio in Chile reached Ch$22.5 trillion at the end of the third quarter of 2022, presenting an increase of 5.0% over the previous quarter and a nominal expansion of 18.2% compared to the same quarter of 2021. Highlights Management Discussion & Analysis In the following table, the loan portfolio is split into two groups: wholesale lending and retail lending. For a better under standing of the performance of these portfolios, the main product groups of each segment are presented below: Credit Portfolio by Products In Ch$ million, end of period 3Q22 2Q22 change 3Q21 change Wholesale lending - Chile 14,096,450 13,340,039 5.7% 12,113,638 16.4% Commercial loans 11,338,783 10,850,005 4.5% 10,451,761 8.5% Foreign trade loans 1,848,640 1,598,646 15.6% 957,354 93.1% Leasing and factoring 909,027 891,387 2.0% 704,523 29.0% Retail lending - Chile 8,391,459 8,076,278 3.9% 6,918,938 21.3% Residential Mortgage loans 6,214,491 5,981,669 3.9% 5,215,056 19.2% Consumer loans 2,176,968 2,094,609 3.9% 1,703,882 27.8% Consumer installment loans 1,526,822 1,464,033 4.3% 1,238,868 23.2% Current account overdrafts 132,816 123,437 7.6% 101,751 30.5% Credit card debtors 516,804 506,678 2.0% 362,809 42.4% Other loans and receivables 526 462 13.8% 454 15.9% TOTAL LOANS1 22,487,909 21,416,316 5.0% 19,032,576 18.2% The total loan portfolio grew 5.0%, in nominal terms, between the second and third quarter of 2022, totaling an expansion of 18.2% in the last twelve months. Excluding exchange rate effects and impacts of inflation on the composition of the loan portfolio, the aforementioned growth translates into 2.4% and 7.5%, respectively. The Wholesale portfolio grew 5.7% in this quarter compared to 2Q22 and 16.4% compared to 3Q21. Adjusting for foreign exchange variations, the Wholesale portfolio grew 3.1% compared to the previous quarter, highlighting better performance in Foreign trade loans, which totaled a real growth of 11.2% compared to the previous quarter and 6.2% when compared to September 2021. The Retail portfolio grew 3.9% in this quarter in relation to 2Q22 and 21.3% compared to 3Q21, variations that translate into real growth of 1.2% and 9.8%, respectively. Regarding the composition of this portfolio, the improvement in consumer loans stands out, totaling 27.8% in the last twelve months, considering that during the previous year, the financial industry observed a significant contraction in the activity of this portfo-lio, influenced by the greater liquidity in the Chilean market from the COVID-19 economic support measures implemented by the government. Income Statement Analysis (1) Total loans does not include balance owed by banks. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag034.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;33 Management Discussion & Analysis Managerial Results \| Breakdown for Colombia Net Income analysis for Colombia presented below is based on the Managerial Income Statement with the adjustments shown on pa ges 21 and 22: 3Q22 2Q22 % 3Q21 % In Ch$ million Nominal Currency Exchange Rate Effect1 Constant Currency Nominal Currency Exchange Rate Effect1 Constant Currency Change in Constant Currency Nominal Currency Exchange Rate Effect1 Constant Currency Change in Constant Currency Operating Revenues 65,834 756 66,589 73,078 (2880) 70,199 -5.1% 62,014 1,994 64,008 4.0% Managerial Financial Margin 58,344 685 59,029 63,237 (2512) 60,725 -2.8% 51,292 1,686 52,978 11.4% Financial Margin with Clients 71,719 740 72,460 66,184 (2613) 63,571 14.0% 49,726 1,316 51,042 42.0% Financial Margin with the Market (13376) (55) (13431) (2947) 100 (2846) 371.9% 1,566 370 1,936 -793.6% Commissions and Fees 7,490 71 7,560 9,841 (367) 9,473 -20.2% 10,722 308 11,030 -31.5% Cost of Credit (12574) (108) (12682) (16897) 703 (16193) -21.7% (24851) (435) (25286) -49.8% Provision for Loan Losses (18071) (165) (18237) (21225) 871 (20354) -10.4% (30052) (565) (30618) -40.4% Recovery of Loans Written Off as Losses 5,497 58 5,555 4,328 (168) 4,160 33.5% 5,201 130 5,331 4.2% Non-interest Expenses (48485) (542) (49027) (47411) 1,853 (45558) 7.6% (48153) (1333) (49486) -0.9% Personnel Expenses (19956) (244) (20200) (20921) 811 (20110) 0.4% (21883) (652) (22535) -10.4% Administrative Expenses (25663) (269) (25932) (23512) 924 (22588) 14.8% (22995) (605) (23600) 9.9% Depreciation, Amortization and Impairment (2866) (28) (2894) (2978) 118 (2860) 1.2% (3275) (76) (3351) -13.6% Income before Tax and Minority Interests 4,774 107 4,881 8,771 (324) 8,447 -42.2% (10990) 226 (10764) -145.3% Income Tax Expense (1535) (31) (1566) (3194) 113 (3081) -49.2% 13,765 (134) 13,631 -111.5% Minority Interests in Subsidiaries (159) (4) (163) (40) 2 (38) 329.2% (271) (9) (280) -42.0% Costs of hedge positions 72 (69) 3 (11787) 532 (11255) -100.0% (2120) (33) (2153) -100.1% Recurring Net Income 3,152 3 3,155 (6250) 323 (5927) -153.2% 384 49 433 628.5% (1) Refers to the elimination of the impact of foreign exchange rate variation, by converting all figures from each of the period s analyzed at a single foreign exchange rate: Ch$0.2099 per COP as of September 30, 2022. 9M22 9M21 % In Ch$ million Nominal Currency Exchange Rate Effect1 Constant Currency Nominal Currency Exchange Rate Effect1 Constant Currency Change in Constant Currency Operating Revenues 197,401 (901) 196,500 197,367 10,861 208,228 -5.6% Managerial Financial Margin 173,192 (747) 172,445 173,249 9,674 182,923 -5.7% Financial Margin with Clients 193,318 (719) 192,599 143,281 7,564 150,845 27.7% Financial Margin with the Market (20126) (28) (20154) 29,968 2,110 32,078 - Commissions and Fees 24,209 (154) 24,055 24,118 1,187 25,305 -4.9% Cost of Credit (41139) 320 (40820) (55537) (2724) (58261) -29.9% Provision for Loan Losses (55602) 328 (55274) (69506) (3442) (72948) -24.2% Recovery of Loans Written Off as Losses 14,463 (9) 14,454 13,969 717 14,687 -1.6% Non-interest Expenses (136277) 473 (135803) (129922) (6645) (136567) -0.6% Personnel Expenses (62251) 150 (62101) (63891) (3279) (67170) -7.5% Administrative Expenses (65458) 294 (65163) (57112) (2896) (60008) 8.6% Depreciation, Amortization and Impairment (8568) 29 (8539) (8919) (470) (9389) -9.1% Income before Tax and Minority Interests 19,985 (108) 19,877 11,908 1,491 13,399 48.3% Income Tax Expense (7335) 31 (7304) 5,672 (590) 5,082 - Minority Interests in Subsidiaries (392) (6) (398) (1761) (89) (1850) -78.5% Costs of hedge positions (16401) 353 (16049) (1835) (47) (1882) 752.8% Recurring Net Income (4144) 270 (3874) 13,983 765 14,748 - Income Statement Analysis |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag035.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;34 Management Discussion & Analysis Income Statement Analysis Managerial Financial Margin Loan portfolio mix (-Ch$112 million): decrease due to a lower relative presence of the consumer portfolio in the composition of the total in 3Q22 compared to the previous quarter, operations that register a higher profitability against commercial and mortgage loans. • In the third quarter of 2022, the Financial Margin with Clients increased by 14.0% compared to the previous quarter, driven b y a higher margin of liabilities and capital due to growth in the volume of deposits and higher average TPM (monetary policy rate of Colombia), a rate to which the remuneration of these portfolios is indexed. • Financial Margin with Market decreased by 371.9% compared to the second quarter of 2022, as a result of the higher Assets and Liability Management (ALM) costs which was in turn due to the increase in interest rates that persisted in the third quarter of 2022. Highlights Managerial Financial Margin Financial Margin with Clients Ch$72.5 billion - 371.9% (3Q22/2Q22) - 793.6% (3Q22/3Q21) Financial Margin with the Market Ch$-13.4 billion + 14.0% (3Q22/2Q22) + 42.0% (3Q22/3Q21) Financial Margin with Clients Change in the Financial Margin with Clients Breakdown Financial Margin with Clients comprises our spread-sensitive operations, working capital and others. Spread-sensitive operations are: (i) the assets margin, that is the difference between the amount received in loan operations and the cost of money charg ed by treasury banking and (ii) the liabilities margin, which is the difference between the cost of funding and the amount received from treasury banking. Working capital margin is the interest on working capital at the TPM interest rate. Average asset portfolio, assets spreads and liabilities margin (+Ch$7,128 million): mainly due to the growth of the portfolio of deposits and other demand liabilities and the positive effect of the increase in the value of the average TPM on the rate of remuneration applied to this portfolio. Commercial spreads on derivatives and FX transactions with clients (-Ch$1,251 million): due to a decrease in derivatives activity and FX transactions with clients in the third quarter of 2022 (mainly Wholesale Banking). 1 2 4 Ch$ million 3 51,042 50,971 56,568 63,571 72,460 1,936 3,517 -3,878 -2,846 -13,431 52,978 54,488 52,690 60,725 59,029 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Financial Margin with Clients Financial Margin with the Market Note: Figures are expressed in constant currency, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.2099 per COP as of September 30, 2022. 1 Working capital and others (+Ch$2,969 million): explained, mainly, by the higher capital margin derived from the increase in interest rates observed in the quarter (income indexed to the value of the TPM). 2 3 4 Note: Figures are expressed in constant currency, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.2099 per COP as of September 30, 2022. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag036.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;35 Management Discussion & Analysis Income Statement Analysis Risk-Adjusted Financial Margin with Clients: +91 bp • Due to the increase in Financial Margin with Clients and the 49.8% reduction in the Cost of Credit. Annualized average rate of financial margin with clients Financial margin with the market includes (i) treasury banking, which manages mismatches of assets and liabilities (ALM – Assets and Liability Management), tenors and interest, foreign exchange and other rates and (ii) treasury trading, which manages pro prie-tary portfolios and may assume directional positions, in compliance with the limits established by our risk appetite. Financial Margin with the market closed the quarter with a loss of Ch$13.4 billion, equivalent to a decrease of 371.9% compar ed to the previous quarter, since as in Chile, the scenario of increase in interest rates has resulted in higher costs absorbed by treasury banking in the management of mismatches of assets and liabilities. 3Q22 2Q22 In Ch$ millions, end of period Average Balance Average Rate Financial Margin Average Balance Average Rate Financial Margin Financial Margin with Clients 5,740,416 72,460 5.1% 5,869,012 63,571 4.4% Cost of Credit (12682) (16193) Risk-Adjusted Financial Margin with Clients 5,740,416 59,778 4.2% 5,869,012 47,378 3.2% Ch$ million Financial Margin with Clients: +69 bp • Driven by this quarter's higher liability and capital margin. 1,936 3,517 -3,878 -2,846 -13,431 10,805 8,899 2,509 -318 -4,159 - 15,000 - 10,000 - 5, 00 - 5,000 1 0, 00 - 20,000 - 15,000 - 10,000 - 5, 00 - 5,000 1 0, 00 1 5, 00 20,00 25,00 30,00 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Financial Margin with the Market 1-year moving average Financial Margin with the Market 3.5% 3.3% 3.8% 4.4% 5.1% 1.7% 2.3% 3.0% 3.2% 4.2% 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 0.00 0.02 0.04 0.06 Financial margin with clients Risk-adjusted financial margin with clients Note: Figures are expressed in constant currency, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.2099 per COP as of September 30, 2022. Note: Figures are expressed in constant currency, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.2099 per COP as of September 30, 2022. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag037.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;36 Management Discussion & Analysis Income Statement Analysis Commissions and Fees • In the third quarter of 2022, Commissions and Fees totaled Ch$7.6 billion, presenting a decrease of 20.2% compared to the previous quarter and 31.5% compared to the same period of 2021, as a result of a decrease in the generation of income from structuring services (Financial Advisories) related to the activity of Wholesale Banking, which was partially offset by the improvement in income from Credit Operations and Guarantees Provided. Highlights In Ch$ million 3Q22 2Q22 change 3Q21 change 9M22 9M21 change Insurance Brokerage 2,016 2,033 (17) -0.8% 1,981 35 1.8% 6,005 5,550 455 8.2% Credit Operations and Guarantees Provided 1,470 1,176 294 25.0% 951 519 54.6% 3,828 2,432 1,396 57.4% Asset Management 2,051 2,052 (1) 0.0% 2,415 (364) -15.1% 6,248 7,186 (938) -13.1% Financial Advisory and Others 896 3,138 (2242) -71.4% 4,284 (3388) -79.1% 4,728 5,801 (1073) -18.5% Cash Management 1,127 1,075 52 4.9% 1,399 (272) -19.5% 3,246 4,336 (1090) -25.1% Total Commissions and Fees 7,560 9,473 (1913) -20.2% 11,030 (3470) -31.5% 24,055 25,305 (1249) -4.9% Commissions and Fees Breakdown 3Q22 2Q22 27% 19% 27% 12% 15% Insurance Brokerage Credit Operations and Guarantees Provided Asset Management Financial Advisory and Others Cash Management 21% 12% 22% 33% 11% Insurance Brokerage Credit Operations and Guarantees Provided Asset Management Financial Advisory and Others Cash Management Note: Commissions and Fees for Colombia are expressed in constant currency in order to eliminate the impact of foreign exchange rat e variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.209 9 per COP as of Septem-ber 30, 2022. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag038.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;37 Management Discussion & Analysis Income Statement Analysis Cost of Credit At the end of the third quarter of 2022, our provision for loan losses totaled Ch$18.2 billion, showing a decrease of 10.4% compared to the last quarter. The Cost of Credit over loan portfolio decreased by 0.40 percentage points in the third quarter of 2022 compared to the previous period and a decrease of 1.04 percentage points compared to the third quarter of 2021. Allowance for Loan Losses and Loan Portfolio Cost of Credit and Loan Portfolio As of September 30, 2022, the total allowance for loan losses, including additional provisions, remained significantly unchanged from the previous quarter, totaling Ch$256.8 billion, while our average loan portfolio grew by 1.5% compared to the previous period, reaching Ch$4.6 trillion. As a result, the ratio of total allowance for loan losses, including additional provisions, decreased in the third quarter of 2022 from 5.65% to 5.56% compared to the previous quarter. (\*) Average Loan Portfolio 238,993 267,543 264,704 267,118 268,882 260,408 239,609 229,388 229,282 33,578 29,377 27,553 27,553 27,554 27,558 27,561 27,560 238,993 301,121 294,081 294,671 296,435 287,962 267,166 256,950 256,841 5.12 6.64 6.56 6.43 6.35 6.03 5.87 5.65 5.56 - 0.05 0.1 0 0.1 5 0.20 0.25 0.30 0.35 0.40 0.45 0.50 0.55 0.60 0.65 0.70 0.75 0.80 0.85 0.90 0.95 1 .00 1 .05 1 .1 0 1 .1 5 1 .20 1 .25 1 .30 1 .35 1 .40 1 .45 1 .50 1 .55 1 .60 1 .65 1 .70 1 .75 1 .80 1 .85 1 .90 1 .95 2.00 2.05 2.1 0 2.1 5 2.20 2.25 2.30 2.35 2.40 2.45 2.50 2.55 2.60 2.65 2.70 2.75 2.80 2.85 2.90 2.95 3.00 3.05 3.1 0 3.1 5 3.20 3.25 3.30 3.35 3.40 3.45 3.50 3.55 3.60 3.65 3.70 3.75 3.80 3.85 3.90 3.95 4.00 4.05 4.1 0 4.1 5 4.20 4.25 4.30 4.35 4.40 4.45 4.50 4.55 4.60 4.65 4.70 4.75 4.80 4.85 4.90 4.95 5.00 5.05 5.1 0 5.1 5 5.20 5.25 5.30 5.35 5.40 5.45 5.50 5.55 5.60 5.65 5.70 5.75 5.80 5.85 5.90 5.95 6.00 6.05 6.1 0 6.1 5 6.20 6.25 6.30 6.35 6.40 6.45 6.50 6.55 6.60 6.65 6.70 6.75 6.80 6.85 6.90 6.95 7.00 7.05 7.1 0 - 600, 00 3Q'20 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Allowances for loan losses (Ch$ million) - Colombia Additional provisions (Ch$ million) - Colombia Total provisions Allowances for loan losses / Loan portfolio (%) 30,618 19,312 16,683 20,354 18,237 25,286 15,056 11,945 16,193 12,682 2.1 1.3 1.0 1.5 1.1 -0. 5 -0. 1 0.3 0.7 1 .1 1 .5 1 .9 2.3 - 5,000 1 0, 00 1 5, 00 20,00 25,00 30,00 35,00 40,00 45,00 50,00 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Provision for loan losses (Ch$ million) Cost of credit (Ch$ million) Cost of credit / Loan portfolio\* - Annualized (%) In Ch$ million 3Q22 2Q22 change 3Q21 change 9M22 9M21 change Provision for Loan Losses (18237) (20354) 2,117 -10.4% (30618) 12,381 -40.4% (55274) (72948) 17,674 -24.2% Recovery of Loans Written Off as Losses 5,555 4,160 1,394 33.5% 5,331 223 4.2% 14,454 14,687 (233) -1.6% Cost of Credit (12682) (16193) 3,512 -21.7% (25286) 12,605 -49.8% (40820) (58261) 17,441 -29.9% Note: Cost of credit for Colombia is expressed in constant currency in order to eliminate the impact of foreign exchange rate varia tion, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.2099 per COP as of September 30, 2022. In the third quarter of 2022, the Cost of Credit amounted to Ch$12.7 billion, a 21.7% decrease compared to the previous quarter, due to an one-time increase in write-offs in commercial loans observed in the previous quarter, which is complemented by the higher recovery of loans written-off as losses observed in this quarter, mainly commercial and consumer loans. The Cost of Credit decreased by 49.8% compared to the third quarter of 2021, since in 3Q21 there was an increase in the Cost of Credit derived from adjustments in provisions associated with specific cases of Wholesale clients. Note: Provision for loan losses and cost of credit for Colombia are expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.2099 per COP as of September 30, 2022. Note: Allowance for loan losses for Colombia is expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.2099 per COP as of September 30, 2022. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag039.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;38 Management Discussion & Analysis Income Statement Analysis Credit Quality Delinquency Ratios Non-Performing Loans NPL Ratio (%) by Segments \| over 90 days As of September 30, 2022, the total NPL ratio over 90 days showed an increase of 15 basis points compared to the previous quarter, given the combination of 5.1% growth in the NPL portfolio and the slight decline in the loans portfolio (see page 42). In a 12-month comparison, the total NPL ratio over 90 days de-creased from 3.51% to 2.95%, driven by a reduction in the NPL portfolio of commercial loans and a growth of 2.4% in loans portfo-lio, highlighting a 8.2% increase in mortgage loans, which stood at Ch$768.1 billion as of September 30, 2022. The portfolio of credits 90 days overdue increased by 5.1% in the third quarter of 2022 compared to the previous quarter, due to the 6.6% growth in the level of NPLs for commercial loans, while there was no significant variation in the consumer and mortgage portfolios. When compared to the third quarter of 2021, the portfolio of credits 90 days overdue decreased 14.1%, a variation that considers a de-crease of 21.2% in the commercial portfolio with non-performing loans and a growth of 19.5% in consumer. 161,154 164,463 162,799 177,496 166,148 153,004 138,495 135,915 142,786 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Non-performing Loans over 90 days - Colombia 3.88% 4.08% 4.21% 4.62% 4.14% 3.79% 3.39% 3.00% 3.22% 4.23% 3.98% 3.27% 3.09% 2.94% 2.61% 2.38% 2.81% 2.78% 1.33% 2.13% 1.53% 1.78% 1.86% 1.84% 1.86% 2.12% 2.18% 3.50% 3.71% 3.58% 3.85% 3.51% 3.21% 2.92% 2.80% 2.95% 3Q'20 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Commercial Mortgage Consumer Total Coverage Ratio1 (%) \| 90 days As of September 30, 2022, the 90-day coverage ratio reached 161%, decreasing by 8.2 and 1.3 percentage points compared to the previous quarter and the same period of 2021. NPL Ratio (%) \| over 90 days 148 163 163 150 162 170 173 169 161 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Colombia 3.50 3.71 3.58 3.85 3.51 3.21 2.92 2.80 2.95 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Colombia The NPL ratio of credits 90 days overdue grew by 15 basis points in the third quarter of 2022 compared to the previous quarter, reach-ing 2.95% at the end of September 30, 2022. When compared to the same period in 2021, this ratio decreased by 56 basis points. Note: NPLs for Colombia are expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.2099 per COP as of September 30, 2022. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag040.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;39 Management Discussion & Analysis Income Statement Analysis \* Loan portfolio average balance of the two previous quarters. In the third quarter of 2022, the loan portfolio write-off totaled Ch$18.5 billion, presenting a decrease of 46.7% compared to the previous quarter, mainly due to higher write-offs in commercial loans recognized in the second quarter of 2022. The ratio of written-off operations to loan portfolio average balance reached 1.50%, decreasing by 1.42 percentage points compared to the previous quarter and 0.9 percentage points in a 12-month com-parison. Loan Portfolio Write-Off 36.7 16.4 18.0 24.8 27.8 18.0 32.6 34.6 18.5 3.12 1.48 1.57 2.15 2.40 1.51 2.72 2.92 1.50 0.00 0.1 0 0.20 0.30 0.40 0.50 0.60 0.70 0.80 0.90 1 .00 1 .10 1 .20 1 .30 1 .40 1 .50 1 .60 1 .70 1 .80 1 .90 2.00 2.10 2.20 2.30 2.40 2.50 2.60 2.70 2.80 2.90 3.00 3.10 3.20 3.30 0 5 1 0 1 5 20 2 5 3 0 3 5 40 45 50 3Q'20 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Write-off (Ch$ billion) - Colombia Write-off / Loan Portfolio\* - Annualized (%) Recovery of Loans Written-off as Losses In this quarter, income from recovery of loans written-off as losses totaled Ch$5.6 billion, 33.5% higher compared to the second quar-ter of 2022, due to the improvement in collection management carried out in this quarter that allowed the recognition of greater recoveries of commercial and consumer loans. When compared to the same quarter of 2021, the income from re-covery of loans written-off as losses showed a growth of Ch$223 million or 4.2%. Ch$ million 5,331 4,255 4,739 4,160 5,555 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Recovery of Loan Written-off as Losses (Ch$ million) - Colombia Note: Write-off for Colombia is expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.2099 per COP as of September 30, 2022. Note: Recovery of loans written-off as losses for Colombia is expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.2099 per COP as of September 30, 2022. Ch$ million |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag041.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;40 Personnel expenses Administrative Expenses Administrative Expenses amounted to Ch$25.9 billion in the third quarter of 2022, representing an increase of 14.8% compared to the previous quarter, due to higher consulting expenses and one-time recoveries of expenses registered in the previous quarter. Compared to the third quarter of 2021, Administrative Expenses reg-istered an increase of 9.9%, derived from higher technology expens-es and consulting fees associated with the Bank's transformation program. Depreciation, Amortization and Impairment Depreciation, Amortization and Impairment expenses totaled Ch$2.9 billion in the third quarter of 2022, showing no significant change from the previous quarter. When compared to the third quarter of 2021, Depreciation, Amortization and Impairment expenses showed a decrease of 13.6%, which is mainly due to the footprint optimization and the development of efficiency initiatives that impacted on the base of assets subject to amortization. Non-interest Expenses • Non-interest Expenses amounted to Ch$49.0 billion in the quarter, presenting a growth of 7.6% compared to the previous period and a decrease of 0.9% when compared to the same date in 2021. Highlights Personnel Expenses totaled Ch$20.2 billion in the third quarter of 2022, showing no significant change from the previous quarter. When compared to the third quarter of 2021, Personnel Expenses totaled a decrease of 10.4%, as a result of the reduction in headcount in 2022. Headcount The total number of employees including Itaú Panama was 2,442 at the end of the third quarter of 2022, compared to 2,459 in the second quarter of 2022 and 2,931 at the end of the third quarter of 2021, a 16.7% reduction in headcount for the 12-month period ended in September 30, 2022. 2,442 Headcount in Colombia and Panamá at the end of the 3Q22 - 0.7% (3Q22/2Q22) - 16.7% (3Q22/3Q21) Management Discussion & Analysis 3,115 3,098 3,067 3,013 2,931 2,691 2,639 2,459 2,442 -5.5% -0.5% -1.0% -1.8% -2.7% -8.2% -1.9% -6.8% -0.7% -1 5.0% -1 3.0% -1 1 .0% -9.0% -7.0% -5.0% -3.0% -1 .0% 1 .0% 1 ,500 1 ,700 1 ,900 2,100 2,30 2,50 2,70 2,90 3,100 3,30 3,50 3,70 3,90 4,1 0 4,30 4,50 4,70 4,90 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Colombia Δ% QoQ Income Statement Analysis Note: Managerial results for Colombia are expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate: Ch$0.2099 per COP as of September 3 0, 2022. In Ch$ million 3Q22 2Q22 change 3Q21 change 9M22 9M21 change Personnel Expenses (20200) (20110) (90) 0.4% (22535) 2,334 -10.4% (62101) (67170) 5,069 -7.5% Administrative Expenses (25932) (22588) (3344) 14.8% (23600) (2332) 9.9% (65163) (60008) (5155) 8.6% Personnel and Administrative Expenses (46133) (42698) (3434) 8.0% (46135) 3 0.0% (127264) (127178) (86) 0.1% Depreciation, Amortization and Impairment (2894) (2860) (35) 1.2% (3351) 457 -13.6% (8539) (9389) 850 -9.1% Total Non-interest Expenses (49027) (45558) (3469) 7.6% (49486) 459 -0.9% (135803) (136567) 764 -0.6% |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag042.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;41 Management Discussion & Analysis Efficiency Ratio We present the evolution of the efficiency ratio: 77.6% 75.3% 69.0% 64.9% 73.6% 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Efficiency ratio Income Statement Analysis Note: Managerial results for Colombia are expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate: Ch$0.2099 per COP as of September 30, 2022. Efficiency Ratio In the third quarter of 2022, our Efficiency Ratio reached 73.6%, increasing by 8.8 percentage points compared to the previous quarter, a variation that is explained by the joint effect of the 7.6% increase in Non-interest Expenses and the 5.1% reduction in Operating Revenues. When compared to the third quarter of 2021, the Efficiency Ratio decreased by 4.0 percentage points, as revenue generation (Operating Revenues) grew by 4.0% compared to the third quarter of 2021. Distribution Network Points of Service in Colombia Our distribution network provides integrated financial services and products to our customers through diverse channels, inclu ding ATMs, branch offices, internet banking and telephone banking. Branches \| Colombia and Panama Automated Teller Machines (ATMs) \| Colombia 111 111 109 108 107 104 86 79 78 -12.6% 0.0% -1.8% -0.9% -0.9% -2.8% -17.3% -8.1% -1.3% -40% -35% -30% -25% -20% -1 5% -1 0% -5% 0% 5% - 50 1 0 1 50 200 250 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Colombia Δ% Branches Colombia QoQ As of September 30, 2022, we had 78 branches in both Colombia and Panama under the brand Itaú, a decrease of 1.3% (1 branch less) when compared to the previous quarter. When compared to the same period of 2021, the number of branches registered a de-crease of 27.1% (29 branches less). 125 125 125 123 122 121 107 107 102 -12.0% 0.0% 0.0% -1.6% -0.8% -0.8% -11.6% 0.0% -4.7% -35% -30% -25% -20% -1 5% -1 0% -5% 0% 5 % 50 1 0 1 50 200 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Colombia Δ% ATMs Colombia QoQ By the end of the third quarter of 2022, the number of ATMs to-taled 102 in Colombia, presenting a decrease of 4.7% compared to the previous quarter and 16.4% compared to the same month of the previous year, which is related to the footprint optimization implemented in recent years. Our customers continue to have access to over 16,000 ATMs through Colombia's financial institu-tions. Non-interest Expenses (Personnel + Administrative + Depreciation & Amortization + Impairment) Managerial Financial Margin + Commission and Fees = Efficiency Ratio |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag043.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;42 Credit Portfolio • Excluding the effect of foreign exchange variation, at the end of the third quarter of 2022, the Colombian portfolio remainedpractically unchanged compared to the previous quarter, totaling Ch$4.84 billion, however, on a 12-month comparison, the loans portfolio grew by 2.4%. Highlights Management Discussion & Analysis In the following table, the loan portfolio is split into two groups: wholesale lending and retail lending. For a better under standing of the performance of these portfolios, the main product groups of each segment are presented below: Credit Portfolio by Products Income Statement Analysis Note: The loan portfolio for Colombia is expressed in constant currency in order to eliminate the impact of foreign exchange rate v ariation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.2099 pe r COP as of September 30, 2022. In Ch$ million, end of period 3Q22 2Q22 change 3Q21 change Wholesale lending 3,136,795 3,155,199 -0.6% 3,098,213 1.2% Commercial loans 2,732,228 2,742,192 -0.4% 2,678,060 2.0% Current account overdrafts 12,345 10,742 14.9% 2,202 460.5% Leasing and factoring 385,163 395,715 -2.7% 411,838 -6.5% Other loans and receivables 7,059 6,550 7.8% 6,112 15.5% Retail lending 1,703,496 1,695,033 0.5% 1,630,525 4.5% Residential Mortgage loans 768,141 756,010 1.6% 709,695 8.2% Housing leasing 321,805 316,046 1.8% 310,638 3.6% Other mortgage loans 446,337 439,964 1.4% 399,056 11.8% Consumer loans 935,354 939,023 -0.4% 920,830 1.6% Consumer loans 696,331 708,656 -1.7% 724,705 -3.9% Current account overdrafts 1,308 1,449 -9.7% 1,438 -9.0% Credit card debtors 195,760 188,768 3.7% 158,975 23.1% Leasing consumer 127 159 -19.9% 462 -72.5% Other loans and receivables 41,828 39,992 4.6% 35,250 18.7% TOTAL LOANS1 4,840,290 4,850,232 -0.2% 4,728,737 2.4% In the third quarter of 2022, the performance of Colombia's loan portfolio did not register a significant variation compared to the previous quarter, due to the offset between the 0.6% decrease in commercial loans (Wholesale lending) and the 0.5% growth in Retail lending, as a result of greater mortgage activities. Compared to the third quarter of 2021, the total loans portfolio showed an expansion of 2.4%, driven by greater Retail activity, both in Consum-er and Mortgage loans, in addition to the greater dynamism of the Commercial portfolio (improvement in commercial loans compared to contraction in leasing and factoring). Residential Mortgage loans reached Ch$768.1 billion at the end of the third quarter of 2022, presenting an increase of 1.6% over the previous quarter and a growth of 8.2% compared to as of September 30, 2021. On the other hand, Consumer loans registered a slight decrease of 0.4% in the quarter compared to 2Q22, while in the 12-month comparison a growth of 1.6% was observed, highlighting the greater activity in credit cards. (1) Total loans does not include balance owed by banks. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag044.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;43 Balance Sheet Management Discussion & Analysis Balance Sheet Assets In Ch$ million, end of period 3Q22 2Q22 change 3Q21 change Cash and deposits in banks 2,056,848 1,655,846 24.2% 2,471,563 -16.8% Cash items in process of collection 704,650 678,028 3.9% 588,149 19.8% Trading investments 700,404 645,216 8.6% 401,285 74.5% Investments under resale agreements 141,069 291,306 -51.6% 88,748 59.0% Financial derivatives contracts 4,824,275 3,815,642 26.4% 3,258,246 48.1% Interbank loans, net 35,753 54,052 -33.9% 79,714 -55.1% Loans and accounts receivable from customers, net of loan loss allowances 26,567,149 25,822,414 2.9% 23,020,767 15.4% Available-for-sale investments 3,759,769 4,281,500 -12.2% 3,661,391 2.7% Held-to-maturity investments 1,066,595 1,095,919 -2.7% 183,956 479.8% Investments in associates and other companies 22,460 21,189 6.0% 13,831 62.4% Intangible assets1 695,945 696,753 -0.1% 701,178 -0.7% Property, plan and equipment 158,537 164,513 -3.6% 201,387 -21.3% Current taxes 40,614 41,853 -3.0% 83,509 -51.4% Deferred taxes 247,897 278,132 -10.9% 249,849 -0.8% Other assets 1,149,699 783,732 46.7% 765,272 50.2% Total Assets 42,171,663 40,326,097 4.6% 35,768,845 17.9% 1– Includes right-of-use assets under lease agreements arisen from IFRS 16 adoption since January 1, 2019. Compared to the third quarter of 2021, total assets increased by Ch$6,403 billion or 17.9%. The main changes are presented below: At the end of the third quarter of 2022, our assets totaled Ch$42.2 trillion, an increase of Ch$1,846 billion or 4.6% from the previous quarter, as presented below: \* Securities Investment portfolio: Trading investments, available-for-sale investments and held-to-maturity investments. \*\* Total other assets: Investments in other companies, Intangible assets, Property, plant and equipment, Current taxes, Deferred taxes and Other assets. Ch$ billion Ch$ billion Chile and Colombia The chart below shows the contribution of Chile and Colombia to the total consolidated assets. Ch$35.5 trillion Ch$6.7 trillion 83% 83% 84% 83% 82% 82% 83% 82% 84% 17% 17% 16% 17% 18% 18% 17% 18% 16% 36,732 35,639 33,615 34,402 35,769 37,784 37,619 40,326 42,172 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Chile Colombia Total Ch$ billion + 4.6% (Sep-22 vs. Jun-22) + 17.9% (Sep-22 vs. Sep-21) Ch$42.2 trillion Asset Breakdown September 30, 2022 + 6.7% (Sep-22 vs. Jun-22) + 20.6% (Sep-22 vs. Sep-21) 5.0% 64.8% 13.1% 11.4% 0.3% 1.7% 3.7% Loans Cash, deposits in banks and interbank loans Financial investments Financial derivatives contracts Repos Intangible assets Other assets + 5.5% (Sep-22 vs. Jun-22) + 5.5% (Sep-22 vs. Sep-21) |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag045.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;44 Management Discussion & Analysis Balance Sheet Liabilities In Ch$ million, end of period 3Q22 2Q22 change 3Q21 change Deposits and other demand liabilities 6,375,900 7,078,095 -9.9% 6,932,429 -8.0% Cash items in process of being cleared 728,926 705,316 3.3% 579,443 25.8% Obligations sold under repurchase agreements 441,427 207,398 112.8% 361,949 22.0% Time deposits and other time liabilities 12,123,989 11,174,937 8.5% 10,182,623 19.1% Financial derivatives contracts 4,832,812 3,798,768 27.2% 3,104,533 55.7% Interbank borrowings 5,483,420 5,315,090 3.2% 4,749,007 15.5% Issued debt instruments 7,458,468 7,542,140 -1.1% 6,226,268 19.8% Other financial liabilities 45,154 47,021 -4.0% 34,441 31.1% Current taxes 26,899 0 - 951 2728.5% Deferred taxes 0 0 - 12 -100.0% Provisions 463,156 404,719 14.4% 345,781 33.9% Other liabilities1 877,789 803,441 9.3% 819,436 7.1% Total Liabilities 38,857,940 37,076,925 4.8% 33,336,873 16.6% Attributable to Shareholders 3,310,658 3,245,916 2.0% 2,355,997 40.5% Non-controlling interest 3,066 3,256 -5.9% 75,975 -96.0% Total Equity and Liabilities 42,171,663 40,326,097 4.6% 35,768,845 17.9% \* Total other liabilities: Cash items in process of being cleared, interbank borrowings, other financial liabilities, current taxes, deferred taxes, provisions, other liabilities (including lease liabilities arising from IFRS 16 adoption since January 2019), capital, reserves, valuation adjustment, income for the period, minus: provision for mandatory dividend and non-controlling interest. 1– Includes lease liabilities arisen from IFRS 16 adoption since January 1, 2019. The main changes in liabilities at the end of the third quarter of 2022, compared to the previous quarter, are presented in the chart below: Compared to the third quarter of 2021, the main changes in liabilities are highlighted as follows: Balance Sheet  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag046.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;45 Management Discussion & Analysis Balance Sheet by Currency Assets \| September 30, 2022 Liabilities \| September 30, 2022 Balance Sheet by Currency In Ch$ million, end of period Consolidated\* Business in Chile Ch$ UF FX Business in Colombia Cash and deposits in banks 2,056,848 1,608,183 923,036 - 685,147 448,664 Cash items in process of collection 704,650 701,660 312,706 - 388,954 2,990 Trading investments 700,404 297,012 288,931 8,081 - 403,393 Investments under resale agreements 141,069 104,146 104,146 - - 36,923 Financial derivatives contracts 4,824,275 4,551,917 3,459,894 244,941 847,082 272,358 Interbank loans, net 35,753 - - - - 35,753 Loans and accounts receivable from customers, net of loan loss allowances 26,567,149 21,956,140 6,649,962 11,133,105 4,173,073 4,611,009 Available-for-sale investments 3,759,769 3,346,271 2,736,510 134,007 475,754 413,499 Held-to-maturity investments 1,066,595 901,025 468,768 393,621 38,635 165,570 Investments in associates other companies 22,460 15,580 15,359 - 220 6,880 Intangible assets 695,945 659,473 659,343 - 130 36,473 Property, plant and equipment 158,537 123,818 116,392 - 7,426 34,718 Current taxes 40,614 3,520 3,481 - 40 37,093 Deferred taxes 247,897 162,682 138,952 - 23,731 85,214 Other assets 1,149,699 1,054,984 386,198 4,807 663,979 94,715 Total Assets 42,171,663 35,486,412 16,263,679 11,918,561 7,304,171 6,685,252 In Ch$ million, end of period Consolidated\* Business in Chile Ch$ UF FX Business in Colombia Deposits and other demand liabilities 6,375,900 4,177,066 2,864,017 23,288 1,289,761 2,198,834 Cash items in process of being cleared 728,926 728,851 414,369 - 314,482 75 Obligations sold under repurchase agreements 441,427 208,211 208,211 - 0 233,216 Time deposits and other time liabilities 12,123,989 10,413,812 7,016,941 1,269,193 2,127,678 1,710,177 Financial derivatives contracts 4,832,812 4,590,251 3,620,973 163,893 805,384 242,561 Interbank borrowings 5,483,420 4,750,321 3,007,242 34,095 1,708,984 733,099 Issued debt instruments 7,458,468 6,684,906 511,526 6,173,380 - 773,562 Other financial liabilities 45,154 45,154 45,154 - - - Current taxes 26,899 26,899 26,899 - - - Deferred taxes - - - - - - Provisions 463,156 367,295 339,419 - 27,876 95,861 Other liabilities 877,789 749,849 258,055 189,027 302,767 127,940 Total Liabilities 38,857,940 32,742,614 18,312,805 7,852,876 6,576,933 6,115,326 Capital 2,687,951 2,204,210 2,204,210 - - 483,740 Reserves 236,039 (92461) (92461) - - 328,500 Valuation adjustment (55923) (58121) (21847) - (36273) 2,198 Retained Earnings: 442,591 687,990 99,945 505,726 82,319 (245399) Retained earnings or prior years 194,464 447,138 447,138 - - (252673) Income for the period 354,467 347,193 (240853) 505,726 82,319 7,274 Minus: Provision for mandatory dividend (106340) (106340) (106340) - - - Equity attributable to shareholders 3,310,658 2,741,618 2,189,847 505,726 46,046 569,039 Non-controlling interest 3,066 2,179 2,179 - 0 886 Total Equity 3,313,724 2,743,798 2,192,025 505,726 46,046 569,926 Total Liabilities and Equity 42,171,663 35,486,412 20,504,831 8,358,602 6,622,979 6,685,252 \* Consolidated data not only considers Chile and Colombia but also adjustments related to intercompany and minority shareholder s. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag047.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;46 Management Discussion & Analysis Balance Sheet Credit Portfolio • At the end of the third quarter of 2022, our total credit portfolio reached Ch$27.3 billion, 2.9% higher than the previous quarter and 14.8% higher than the end of the third quarter of 2021. This growth in twelve months is due to improvements in the Wholesale and Retail portfolios in Chile and Colombia, specifically improvements in Consumer in the case of Chile and Mortgage in Colombia, in addition to depreciation effects against the USD that both local currencies have registered. • In constant currency, total loans in Colombia did not register a significant variation compared to the previous quarter and grew by 2.9% compared to the end of the third quarter of 2021, presenting significant improvements in consumer and mortgage loans (see details on page 42). Considering the 5.9% depreciation of the Colombian peso against the Chilean peso in the quarter, the loan portfolio for Colombia decreased by 6.11% in the third quarter of 2022 and increased 1.3% in the 12-month period ended September 30, 2022. Highlights In Ch$ million, end of period 3Q22 2Q22 change 3Q21 change Wholesale lending 17,233,245 16,691,963 3.2% 15,245,039 13.0% Chile 14,096,450 13,340,039 5.7% 12,113,638 16.4% Commercial loans 11,338,783 10,850,005 4.5% 10,451,761 8.5% Foreign trade loans 1,848,640 1,598,646 15.6% 957,354 93.1% Leasing and Factoring 909,027 891,387 2.0% 704,523 29.0% Colombia 3,136,795 3,351,924 -6.4% 3,131,401 0.2% Commercial loans 2,751,632 2,931,537 -6.1% 2,715,151 1.3% Leasing and Factoring 385,163 420,388 -8.4% 416,250 -7.5% Retail lending 10,094,954 9,876,996 2.2% 8,566,929 17.8% Chile 8,391,459 8,076,278 3.9% 6,918,938 21.3% Consumer loans 2,176,968 2,094,609 3.9% 1,703,882 27.8% Residential mortgage loans 6,214,491 5,981,669 3.9% 5,215,056 19.2% Colombia 1,703,496 1,800,718 -5.4% 1,647,991 3.4% Consumer loans 935,354 997,570 -6.2% 930,694 0.5% Residential mortgage loans 768,141 803,147 -4.4% 717,297 7.1% TOTAL LOANS1 27,328,200 26,568,958 2.9% 23,811,968 14.8% Chile 22,487,909 21,416,316 5.0% 19,032,576 18.2% Colombia 4,840,290 5,152,642 -6.1% 4,779,392 1.3% Loan Portfolio - Breakdown Credit Portfolio - Currency Breakdown Consumer 19% Mortgage 16% Commercial 65% Colombia 18% Consumer 8% Mortgage 23% Commercial 51% Chile 82% 6,557 6,600 6,740 6,764 6,870 7,028 9,214 9,452 9,799 10,189 10,676 11,133 7,101 7,759 8,215 7,887 9,023 9,167 22,873 23,812 24,754 24,839 26,569 27,328 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Ch$ UF F X Ch$ billion As of September 30, 2022, Ch$9.167 billion of our total credit portfolio was denominated or indexed to foreign currency. This portion grew 1.6% in this quarter and represents approximately 34% of our total Credit Portfolio. In the third quarter of 2022, the USD/CLP exchange rate increased 4.4% or approximately Ch$40 per dollar. (1) Total loans does not include balance owed by banks. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag048.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;47 Management Discussion & Analysis Balance Sheet NPL Ratio (90 days overdue) by segment The chart below shows the calculation of the average tangible Shareholders Equity or "Managerial Equity", which we use to determine the RoTAE. Tangible Equity Breakdown By the end of the third quarter of 2022, our consolidated NPL ratio reached 2.07%, representing an increase of 6bp compared to the previous quarter and a decrease of 26bp compared to the same period of 2021. The NPL ratio for Commercial loans increased from 2.45% to 2.53% compared to the previous quarter. When excluding the student loans, the commercial loans NPL ratio reached 2.33%, an increase of 8bp compared to the previous quarter and a decrease of 46bp compared to the third quarter of 2021. In the case of Consumer loans, the NPL ratio increased 7bp compared to the previous period, while the Mortgage loans fell 3bp in the quarter, standing at 1.88% and 1.03%, respectively. 3Q22 Average Balance (Ch$ billion) All other Assets: Ch$40,627 Ch$33,904 Ch$6,722 All other Liabilities: Ch$37,957 Ch$31,780 Ch$6,177 Asociado a Intangibles PPA: Ch$40 Minority Interest ex GW and PPA Intangibles: Ch$3 Assets: 41,170 Liabilities: 37,971 Minority Interest: 3 Managerial Tang. Equity: Ch$2,667 Ch$2,150 Ch$516 Shareholders' Equity: 3,197 Managerial Tang. Equity: Recurring Results: Recurring RoTE: Ch$2,667 Ch$2,150 Ch$516 Ch$117.1 Ch$114.0 Ch$3.2 ÷ ÷ ÷ 17.6% 21.2% 2.4% = = = Goodwill: Ch$493 Ch$493 Ch$ - Intangibles from PPA: Ch$51 Ch$51 Ch$ - Deferred taxes asociated with intangibles from PPA: Ch$14 Ch$14 Ch$ - Asociated w/ PPA Intang.: Ch$ - GW and PPA Intangibles: Ch$530 Ch$530 Ch$ - 2.46% 2.57% 3.06% 3.30% 2.97% 2.30% 2.19% 2.45% 2.53% 2.16% 2.19% 2.76% 3.03% 2.80% 2.05% 1.94% 2.26% 2.33% 1.61% 1.46% 1.33% 1.23% 1.12% 1.07% 1.03% 1.06% 1.03% 1.26% 1.81% 1.68% 1.67% 1.39% 1.30% 1.58% 1.80% 1.88% 2.15% 2.23% 2.50% 2.61% 2.34% 1.88% 1.82% 2.02% 2.07% 3Q'20 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 Commercial Comm. ex-Students loans Mortgage Consumer Total |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag049.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;48 Management Discussion & Analysis Balance Sheet Funding • Our funding strategy is to optimize all sources of funding in accordance with their costs, their availability, and our general asset and liability management strategy. • Our strategy in terms of bond issuances is to seek longer maturity tenor and maintain comfortable liquidity levels under BIS III standards. In addition, the spreads vs. peers obtained in these issuances have stayed 5bp, benefitting our cost of funds. In 2022, we have issued bonds for UF 21.5 million (equivalent to Ch$736,552 million and US$762.5 million). • Total funding amounted to Ch$31.9 trillion by the end of the third quarter of 2022, a 1.8% increase compared to the previous quarter and a 12.1% increase compared with the same period of 2021. The quarter-over-quarter change was primarily due to: (i) Investments sold under repurchase agreements growth (112.8%); (ii) time deposits and saving accounts increase (8.5%); and Interbank borrowings growth (3.2%). These changes were partly offset by demand deposits decrease (-9.9%) due to the monetary policy interest rate rose from 9.0% in June 2022 to 10.8% in September 2022. In addition, letters of credit have decreased by (-5.7%). Year-over-year, Investments sold under repurchase agreements have increased by 22.0%. Also bonds and Time deposits and saving accounts have expanded by 21.5% and 19.1%, respectively against the third quarter of 2021. On the other hand, demand deposits have decreased by (-8.0%). Highlights In Ch$ million, end of period 3Q22 2Q22 change 3Q21 change Funding from Clients (A) 18,941,316 18,460,430 480,886 2.6% 17,477,001 1,464,315 8.4% Deposits and other demand liabilities 6,375,900 7,078,095 -702,195 -9.9% 6,932,429 -556,529 -8.0% Time deposits and saving accounts 12,123,989 11,174,937 949,052 8.5% 10,182,623 1,941,366 19.1% Investments sold under repurchase agreements 441,427 207,398 234,030 112.8% 361,949 79,478 22.0% Other Funding (B) 12,987,042 12,904,250 82,791 0.6% 11,009,716 1,977,326 18.0% Letters of credit 20,162 21,386 -1,224 -5.7% 25,167 -5,005 -19.9% Bonds 6,180,131 6,289,666 -109,535 -1.7% 5,085,906 1,094,225 21.5% Subordinated bonds 1,258,176 1,231,089 27,087 2.2% 1,115,195 142,981 12.8% Interbank borrowings 5,483,420 5,315,090 168,331 3.2% 4,749,007 734,413 15.5% Other financial liabilities 45,154 47,021 -1,867 -4.0% 34,441 10,713 31.1% Total Funding (A) + (B) 31,928,358 31,364,680 563,677 1.8% 28,486,717 3,441,641 12.1% Loans and Funding Loan portfolio / Funding from clients and other funding 28.5 29.9 30.3 31.4 31.9 23.8 24.8 24.8 26.6 27.3 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 83.6% 82.9% 81.9% 84.7% 85.6% The ratio between the loan portfolio and the funds raised from clients and other funding reached 85.6% in the third quarter of 2022: Loan portfolio Funding from clients and other funding |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag050.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;49 Management Discussion & Analysis Risk and Capital Management Risk and Capital Management We believe that risk management is essential to optimize the use of resources and select the best business opportunities to maximize value cre-ation for shareholders. In this context, the risk appetite statement defines the nature and the level ofrisks acceptable and the risk culture guides the attitudes required to manage them. We have established a Risk and Capital Commission to assist our Board and management in their assessment and management of market and liquidity risks, P&L and capital adequacy, in accordance with both economic principles and the applicable regulation. The Commission applies these principles and rules to provide oversight and management of market and liquidity risks, P&L and economic capital allocation, to review the effectiveness of related policies and limits as well as to review the adherence to market and liquidity risk and capital policies and procedures throughout the Bank. We take a forward-looking stance in relation to capital management and, through our Internal Capital Adequacy Assessment Process ("ICAAP"), we assess the adequacy of our capital to face the incurred risks, composed by credit, market, operational and other material risks. Liquidity Coverage Ratio (LCR) Net Stable Funding Ratio (NSFR) In Ch$ million 3Q22 2Q22 High Quality Liquid Assets 3,927,829 4,102,468 Net Potential Cash Outflows 2,908,068 2,672,997 LCR (%) 135.1% 153.5% In Ch$ million 3Q22 2Q22 Available Stable Funding 21,578,780 21,081,294 Required Stable Funding 20,025,022 19,004,465 NSFR (%) 107.8% 110.9% In Ch$ million 3Q22 2Q22 Available Stable Funding 3,851,034 3,934,883 Required Stable Funding 3,979,372 4,096,427 NSFR (%) 96.8% 96.1% • Identification and measurement of existing and potential risks in our operations. • Alignment of institutional policies for risk management control, procedures and methodologies according to the guidelines of the Board of Directors and our corporate strategies. • Management of our portfolio seeking optimal risk-return ratios. Our risk management process includes: Starting in April 2019, Chilean banks began reporting their local LCR figures with a minimum level set by CMF at 60%.This minimum gradually increased to 100% by June 2022. Our internal minimum limit for LCR set by our board of directors is 100%. Note: Figures for Colombia are expressed in constant currency, thus all figures from each of the periods analyzed were converted into Chilean peso at a single foreign exchange rate: Ch$0.2099 per COP as of September 30, 2022. Note: Figures for Colombia are expressed in constant currency, thus all figures from each of the periods analyzed were converted into Chilean peso at a single foreign exchange rate: Ch$0.2099 per COP as of September 30, 2022. • In line with international risk management practices, we use the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) to manage liquidity risk. • The methodology used to estimate LCR and NSFR consists of liquidity ratios proposed by the Basel III Committee on Banking Supervision (BIS III), which were adopted by the CMF and the Brazilian Central Bank (BACEN). Highlights Our current internal minimum limit for NSFR, set by the board of directors, is 90% in Chile and Colombia. Note: NSFR data considers consolidated information for Chile and its subsidiaries and for Colombia and its subsidiaries . In this report, we have changed "Potential Cash Outflows" data included in 3Q19, for "Net Potential Cash Outflows" since 4Q19. Liquidity Ratios In Ch$ million 3Q22 2Q22 High Quality Liquid Assets 780,124 1,033,204 Net Potential Cash Outflows 615,890 709,067 LCR (%) 126.7% 145.7% |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag051.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50 Management Discussion & Analysis Risk and Capital Management Capital • At the end of the third quarter of 2022, our regulatory capital ratio reached 14.85%, a decrease of 22 basis points when compared to the previous quarter. Highlights Our minimum capital requirements are set by the Comisión para el Mercado Financiero ("CMF"), which follows the Chilean banking law capital requirements. On January 12, 2019, a new banking law was enacted for purposes of adopting Basel III and replaced the SBIF with CMF, as of June 1, 2019. With this milestone the process of implementing Basel III in Chile started. During 2020, the CMF issued regulations for several key definitions for the implementation of Basel III, such as the exact ca pital de-ductions to be taken from regulatory capital, specific buffer sizes, changes in credit RWA as well as the definitive models f or market and operational risks, among other aspects. The regulatory adjustments of the capital base will be applied progressively duri ng a 5- year term, with no deductions applied in 2021. Currently, our minimum capital requirement is expressed as a ratio of regulatory capital, stated by the referential equity or total capital, composed of Tier I capital and Tier II capital, and the risk-weighted assets, or RWA. Our minimum total capital requirement corresponds to 10.0%. Itaú Corpbanca targets an optimal capital ratio based on the greater of 120% of the minimum regulatory capital requirement or the average regulatory capital ratio of the three largest private banks in Chile and Colombia. Minimum Capital Requirement In Ch$ millions, end of period 3Q22 2Q22 Core capital 1 3,310,658 3,245,916 (-) Goodwill (492512) (492512) (+) Subordinated debt 1,101,166 1,076,573 (+) Additional provisions 174,939 156,659 (+) Minority interest 3,066 3,256 = Regulatory capital (Core capital + Tier II capital) 4,097,317 3,989,892 Risk-Weighted assets (RWA) 27,595,210 26,474,825 BIS (Regulatory capital / Risk-weighted assets) 2 14.85% 15.07% Core capital ratio 1 (ex-goodwill) 10.21% 10.40% Main changes in the 3Q22 Note: (1) Core Capital = Capital básico according to CMF current definitions aplied from 4Q21; (2) BIS Ratio = Regulatory capital / RWA, according to CMF current definitions aplied from 4Q21. Solvency Ratios The solvency ratio decreased 22 basis points, from 15.07% to 14.85%, mainly due to the effect of exchange rates on RWA and other comprehensive income (OCI). This was partially off-set by results of the period, an increase in computable subor-dinated debt (effect of UF) and in additional provision. 15.07% 14.85% 24 bp 9 bp -63 bp 7 bp 2Q'22 Core Capital (1) Subordinated Bonds RWA Other 3Q'22 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag052.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;51 Management Discussion & Analysis Risk and Capital Management Ownership structure and resource management The Bank's current ownership structure consists of Itaú Unibanco (65.62%) and minority shareholders (34.38%), the latter includes the Saieh Family (1.83%). It is worth mentioning that the ownership structure was recently updated, on July 14, 2022, the dat e on which the termination of the Transaction Agreement, dated as of January 20, 2017, among Itaú Corpbanca, among Itaú Unibanco Holding S.A., CorpGroup Interhold SpA, Inversiones GASA Limitada and other related companies of CG Banking, as well as the Shareholders Agreement, dated as of April 1, 2016, among CorpGroup Interhold SpA, Inversiones Gasa Limitada, CG Banking, CorpGroup Holding Inversiones Limitada, SAGA, ITB Holding Brasil Participações Ltda and Itaú Unibanco Holding S.A., was com-municated to the market by means of a Material Event Notice filed with the CMF. The Bank's bylaws, Title VII, establish that it must distribute annually as a cash dividend to its shareholders, at the propo sal of the Board of Directors and in proportion to its shares, at least 30% of the net profits of each year. However, no dividend may be dis-tributed if a part of the capital has been lost, while the loss has not been repaired, or in the event that due to the effect of the distribution the Bank infringes any of the patrimonial requirements required by the General Law of Banks. Under the development exercise of the capital contingency plan, we seek to design a system that allows an efficient response to a capital adequacy event (ESC), in order to safeguard the continuity of the Bank and its subsidiaries, minimize negative effect s and protect depositors, creditors and shareholders of Itaú Corpbanca. The capital contingency plan is reviewed and updated annual-ly, in accordance with the preparation of the Bank's capital plan or other possible needs, with the aim of having a plan that allows stabilizing and resolving these situations in the appropriate time, safeguarding compliance with internally defined capital r e-quirements, as well as regulatory requirements. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag053.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Additional Information 03 Management Discussion & Analysis and Complete Balance sheet & income statements  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag054.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(This page was intentionally left blank)  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag055.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;54 Management Discussion & Analysis Additional Information Our Shares 51 Itaú Corpbanca capital stock is composed of 973,517,871,202 common shares traded on the Santia-go Stock Exchange (ITAUCORP) as of September 30, 2022. Shares are also traded as American Depositary Receipts ("ADR") on the New York Stock Exchange (ITCB). Dividends The actual amount of dividends will depend on, among other factors, our cu-rrent level of net income, capital and legal reserve requirements, as well as market conditions. We cannot guarantee the amount or timing of future divi-dends. For purposes of capital requirements, annual dividends are provisioned at 30%. Itaú Corpbanca paid its last annual dividend of Ch$0.0856089775/ share in Chile on March 24, 2022. The dividend payout ratio was 30% of 2021 Net Income, equivalent to a dividend yield of 5.41%. The following table shows dividends per share distributed during the past five years: Charge to Fiscal Year Year paid Net Income (Ch$ mn)1 % Distributed Dividend per Share (Ch$) 2017 2018 57,447 40% 0.044844689 2018 2019 172,047 30% 0.100728627 2019 2020 127,065 100% 0.2479770771 2020 2021 (925479) 0% 0.0000000000 2021 2022 277,806 30% 0.0856089775 Ch$1.8 trillion \| US$1.8 billion Market Capitalization Corporate Structure Chart Performance in the Capital Markets Sell-side ratings 10 1 0 Buy Hold Sell Source: Sell-side reports. As of September 30, 2022, our shareholders structure was as follows: Shareholder Base and Ratios 3Q22 2Q22 3Q21 Number of outstanding shares (million) 973,517.9 973,517.9 512,406.8 Number of outstanding ADRs [1:1500] (million) 6.47 6.50 5.00 Recurring Diluted Earnings per share in the quarter (Ch$) 0.12 0.15 0.12 Accounting Diluted Earnings per share in the quarter (Ch$) 0.12 0.14 0.10 Recurring Diluted Earnings per ADR in the quarter (US$) 0.19 0.24 0.21 Accounting Diluted Earnings per ADR in the quarter (US$) 0.18 0.23 0.19 Book value per share in the quarter (Ch$) 3.40 3.33 4.60 Price\* / Earnings (P/E) 3.95 3.09 4.75 Price\*/ Tangible Book Value (P/B) 0.54 0.51 0.43 ITAUCORP ITCB Price and Volume (Common shares) (ADR) Ch$ US$ Closing Price at 09/30/2022 1.83 2.87 Maximum price in the quarter 2.13 3.58 Average Price in the quarter 1.91 3.13 Minimum price in the quarter 1.72 2.59 Closing Price at 06/30/2022 1.72 2.83 Closing Price at 09/30/2021 1.99 3.95 Change in 3Q'22 6.76% 1.45% Change in LTM -7.84% -27.32% Average daily trading volume LTM (million) 1,952.99 0.08 Average daily trading volume in 3Q'22 (million) 1,906.97 0.02 \* Closing price on the last trading day of each period. 1- Net Income Attributable to Shareholders (Accounting) Strengths of our structure • Itaú Corpbanca is controlled by Itaú Unibanco. • Itaú Unibanco appoints the majority of the board of directors (8/11). • Professional and experienced management team. Average daily traded volumes for the 12-month period ended September 30, 2022 (US$ million) 1– Includes 103,736,846,776 shares owned by ITB Holding Brasil Participações Ltda. that are under custody. 2- Includes 378,897,410 shares owned by Corp Group Banking S.A. that are under custody.  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag056.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;55 Management Discussion & Analysis Credit Risk Ratings Additional Information On a global scale, Itaú Corpbanca is rated by two internationally rec-ognized agencies: Moody´s Investors Service ('Moody's') and Stand-ard & Poor´s Global Ratings ('Standard & Poor's' or 'S&P'). Detailed international ratings are presented below: International Credit Risk Rating Moody´s Rating Long term Counterparty Risk Rating (CRR) A2 Long-term foreign currency deposits A3 Long-term foreign currency debt A3 Short-term foreign currency deposits Prime-2 Outlook Stable On a national scale, Itaú Corpbanca is rated by Feller Rate Clasificado-ra de Riesgo Ltda. ('Feller Rate') and by Clasificadora de Riesgo Hum-phreys Ltda. ('Humphreys'). Detailed local ratings are presented below: Standard & Poor´s Rating Long-term issuer credit rating BBB+ Senior unsecured bonds BBB+ Short-term issuer credit rating A-2 Outlook Negative Local Credit Risk Rating Feller Rate Rating Long-term issuer credit rating AA+ Senior unsecured bonds AA+ Letter of credit AA+ Long-term deposits AA+ Subordinated bonds AA Short-term deposits Nivel 1+ Shares 1ª Clase Nivel 1 Outlook Stable Humphreys Rating Long-term issuer credit rating AA+ Senior unsecured bonds AA+ Letter of credit AA+ Long-term deposits AA+ Subordinated bonds AA Short-term deposits Nivel 1+ Shares 1ª Clase Nivel 1 Outlook Stable |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag057.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;56 Management Discussion & Analysis Our Value Proposition Based on a segmentation model aimed at optimizing the level of service, satisfaction and profitability per customer, Itaú Corpbanca has focused on the delivery of financial solutions that create value for its customers, recognizing and adapting to new trends and needs, putting a main focus on the "digital transformation". Segmentation Wholesale Banking Retail Banking • Corporate and Investment Banking (CIB): serves the largest economic groups of the country. This unit is distinguished by the understanding and knowledge of the business of its clients, focusing on serving them with value propositions adapted to their needs, maintaining a constant search for the quality of the services delivered and real concern in the use of Environmental, Social and Governance (ESG) criteria. • Institutional: this segment is specialized in financial and non-financial institutional clients, with focus on their investment, funding and non – credit products and ser-vices needs for their daily operations. • Multinational: levers the Itaú BBA footprint along Latam, developing distinct value proposals for companies operating along the region. We supply different alterna-tives for optimizing working capital and Treasury management cross border. • Real Estate and Construction Banking: serves clients that develop and sell real estate, lease commercial, industrial and residential buildings, and construction companies. • Large Companies Banking: its clients correspond to legal entities and/or economic groups with annual revenues between US$8 and US$100 million, that do not oper-ate in the real estate or construction industries. It stands out for its national pres-ence from the business center of Santiago to commercial executives in the main cities of the country. • Private Bank: serves high income individuals with net investments over US$1 mil-lion and their personal businesses. • Personal Bank: serves individuals with monthly income from Ch$2.5 million in the Metropolitan Region and Antofagasta, and Ch$2.3 million in other parts of Chile, or investments between Ch$70 million and Ch$700 million . • Itau Branches: corresponds to the commercial segment that serves individuals with monthly income between Ch$600,000 and Ch$2.5 million in the Metropolitan Re-gion and Antofagasta, and Ch$2.3 million in other parts of Chile, or investments under Ch$70 million. • Condell: serves individuals with monthly income between Ch$200,000 and Ch$600,000. Since the fourth quarter of 2021, the Bank has begun to work on changes to its segmentation model, to evolve from a model that focuses on size and sector, to one that includes and understands variables of customer behavior, allowing it to increase its customer satisfaction by focusing efforts on new customer needs (see Annual Report 2021 available in https://s2.q4cdn.com/476556808/files/doc_financials/2021/ ar/ITCB_Memoria-Integrada-Anual-2021.pdf). Additional Information CIB Institutional Multinational Real Estate Large Companies Private Bank Itau Branches Personal Bank  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag058.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;57 Management Discussion & Analysis Our Value Proposition This unit aims to manage the market and liquidity risks of the Bank, as well as to optimize the funding structure and allocation of transfer prices applied to the products managed by the Bank. This unit comprises four areas in charge of developing these objectives: • Distribution Desk, in charge of the distribution of the Bank's financial products to its customers through specialized equipment and chan-nels. • Liquidity, responsible for guaranteeing the liquidity of the Bank that allows it to efficiently fulfill its obligations according to internal and external policies and guidelines. • Trading and Market Making, manages the Bank's market risks and provides competitive pricing so the Distribution Desk can distribute treasury products in the various commercial segments. • Asset and Liability Management (ALM), responsible for managing the market risks of the Bank's balance sheet and executing the institu-tion's banking book strategy. The Bank's segmentation model is consolidated through subsidiaries, through which more comprehensive financial solutions are delivered. These subsidiaries are made up of:  Itaú Corredores de Bolsa Limitada.  Itaú Asesorías Financieras Limitada.  Itaú Corredores de Seguros S.A.  Recaudaciones y Cobranzas Limitada.  Itaú Administradora General de Fondos S.A. Within the framework of this segmentation model, Itaú Corpbanca structures its offering of products and services covering: Treasury Companies • Commercial current accounts • Commercial credit card • Financing (credits, foreign trade, factoring and leasing) • Cash management • Corporate finance • Derivatives • Investment Banking Details in Itaú para tu empresa Individuals • Retail current account • Line of credit • Credit cards • Credits (consumer, student portfolio, among others) • Mortgage credit • Investments • Insurances Details in Itaú para ti Additional Information  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag059.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;58 Management Discussion & Analysis Main Stakeholders Stakeholders Customers, defined as individuals or companies of all sizes that use the Bank's services. Communication and relationship with this interest group is developed through the following channels: physical and digital branches, website, app, social networks, mailing, contact center, NPS surveys, among others. Employees, includes the employees of the Bank and its subsidiaries. Communication and relations with this group are maintained through the Bank's intranet, inter-nal newsletters, information screens, climate surveys, meetings of team leaders and feedback, among others. Suppliers, with which constant communication is main-tained via email, supplier portal, surveys, press releases, among others. Shareholders/Investors, group of stakeholders with whom the Bank communicates by means of: email, shareholders' meetings, notices to the market, the Bank's investor relations website, among others. Regulatory authorities, including financial industry and other regulatory entities with which the Bank holds com-pliance obligations. The Bank maintains communica-tions with regulatory entities via Memos, Regulator email address, Securities and Exchange Commission (SEC) filings, among others. Society in general, includes the media and citizens in general (customers and non-customers). The segmentation model, the value proposition and the strong link with stakeholders serve as a basis for the realization of the strategic ob-jectives defined by the Bank, goals that in quantitative terms and in particular for the year 2022, refer to a growth of loans, with controlled credit risk (between 0.7% and 1.0% of the portfolio) and administrative expenses growing below inflation, objectives that are periodically monitored and analyzed in this quarterly disclosure (page 18 of this report). Itaú Corpbanca's activity focuses on the implementation of a transformation plan based on five pillars: "disruption", "customer centricity", "simple and digital ", "innovative organization and culture " and "sustainable results". Under this framework, decision-making process takes into account social impact and shared values, which is why the Bank actively connects with its stakeholders, strengthening relationships of trust that safeguard its customers, collaborators and therefore the Bank itself. Additional Information  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag060.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;59 Management Discussion & Analysis Risk management Additional Information Financial activities entail exposure to financial, credit, operational, legal and compli-ance risks, among others; for this reason Itaú Corpbanca has adopted an integrated risk management model, which starts with strengthening the transversal position of the collaborators as risk managers and is enhanced with the activity of Corporate Risk Department, which reports to the Chief Executive Officer and is responsible for carrying out this integral management, so that this becomes a competitive advantage for the Bank. Among the challenges arising from the COVID-19 pandemic, the adaptation to remote work, the definitions of financial portability and, in general, the focus on the digital transformation applied by the Bank, has meant working on the strengthening of the Bank's risk management culture, with an emphasis on internal and external cybersecurity evidenced by various cybersecurity initiatives (such as training, communica-tions, promoting good internal practices and customer engagement, among others). In 2022, the management of these risks will continue to be a priority in the Bank's activity. From the perspective of socio-environmental risks, understanding that climate change can have consequences at physical and systemic levels, which affect the financial system and societies as a whole, in 2019 the Bank signed, together with others actors in the national banking system, the Green Agreement promoted by the Chilean Finance Ministry's Green Finance Board, whose objective is to support the commit-ments that Chile has made in climate matters. During the year 2020, the work focused on the definition of a Roadmap that will define the im-plementation of the Green Agreement that implies, in turn, the development of a Methodological Guide that allows the banking sector to manage the risks and opportunities in this context. Along similar lines, Itaú Corpbanca had a Socio-Environmental Risk Policy since 2018, which defines the guidelines for the evaluation of financ-ing granted by the Bank, from the perspective of social and environmental impacts, a policy applied by the socio-environmental risk area, which performs an analysis of the information provided by clients to classify them according to their exposure to environmental risks, social and reputational. These bodies regulate and oversee compliance with current environmental, business-specific, labor, hygiene and safety regulations. The area searches the press for articles related to socio-environmental and reputation risk. It visits the customer's webpage to analyze the social and environmental commitments undertaken. Based on the information gathered, the socio-environmental risk area drafts a report and assesses the customer on the basis of socio-environmental and reputation risk exposure (see Annual Integrated Report 2021 available at https://s2.q4cdn.com/476556808/files/doc_financials/2021/ar/ITCB_Memoria-Integrada-Anual-2021.pdf). For more details of the risk management carried out and description of the same see chapter 7.6 of the Integrated Annual Report 2021 availa-ble in https://s2.q4cdn.com/476556808/files/doc_financials/2021/ar/ITCB_Memoria-Integrada-Anual-2021.pdf) At Itaú Corpbanca we are all risk managers In this aspect, three lines of defense of the Risk Management Model are defined: 1 1 st Line of Defense: Business and Support Areas, responsible for identifying, measuring, assessing and managing the opera-tional risks that can impact the ability to meet strategic and operational objectives. 2 2 nd Line of Defense: Internal, Compliance and Operational Risk Departments, responsible for assisting the Business and Sup-port areas in managing operational risks and ensuring processes are in compliance with current regulations (internal and external). 3 3 rd Line of Defense: Internal Audit, responsible for regularly and independently evaluating the adequacy of risk management processes and procedures in accordance with Internal Audit Policy and reporting results to the Audit Committee.  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag061.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;60 Management Discussion & Analysis  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag062.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(This page was intentionally left blank)  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1ag063.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certain statements in this Report may be considered as forward-looking statements. Forward-looking information is often, but not always, identified by the use of words such as "anticipate", "believe", "expect", "plan", "intend", "forecast", "target", "project", "may", "will", "should", "could", "estimate", "predict" or similar words suggesting future outcomes or language suggesting an outlook. These forward-looking statements include, but are not limited to, statements regarding expected benefits and synergies from the recent merger of Banco Itaú Chile with and into Corpbanca, the integration process of both banks, the expected timing of completion of the transaction, anticipated future financial and operating performance and results, in-cluding estimates for growth, as well as risks and benefits of changes in the laws of the countries we operate, including the Tax Reform in Chile. These statements are based on the current expectations of Itaú Corpbanca' s management. There are risks and uncertainties that could cause actual results to differ materially from the forward-looking statements included in this communication. For example, (1) problems that may arise in successfully integrating the businesses of Banco Itaú Chile and Corpbanca, which may result in the combined company not operating as effectively and efficiently as expected; (2) the combined company may be unable to achieve cost-cutting synergies or it may take longer than expected to achieve those synergies; (3) the credit ratings of the combined company or its subsidiaries may be different from what Itaú Corpbanca or its controlling share-holders expect; (4) the business of Itaú Corpbanca may suffer as a result of uncertainty surrounding the merger; (5) the industry may be subject to fu-ture regulatory or legislative actions that could adversely affect Itaú Corpbanca; and (6) Itaú Corpbanca may be adversely affected by other economic, business, and/or competitive factors. Forward-looking statements and information are based on current beliefs as well as assumptions made by and information currently available to Itaú Corpbanca' s management. Although management considers these assumptions to be reasonable based on information currently available to it, they may prove to be incorrect. By their very nature, forward-looking statements involve inherent risks and uncertainties, both general and specific, and risks that predictions, forecasts, projections and other forward-looking statements will not be achieved. We caution readers not to place undue reliance on these statements as a number of important factors could cause the actual results to differ materially from the beliefs, plans, objectives, expectations and anticipations, estimates and intentions expressed in such forward-looking statements. More infor-mation on potential factors that could affect Itaú Corpbanca' s financial results is included from time to time in the "Risk Factors" section of Itaú Corpbanca' s Annual Report on Form 20-F for the fiscal year ended December 31, 2021, filed with the SEC. Furthermore, any forward-looking statement contained in this Report speaks only as of the date hereof and Itaú Corpbanca does not undertake any obligation to update publicly or to revise any of the included forward-looking statements, whether as a result of new information, future events or otherwise. The forward-looking statements con-tained in this Report are expressly qualified by this cautionary statement. CONTACT INFORMATION: Gabriel Moura CEO. Itaú Corpbanca Santiago. Chile Phone: (562) 2686-0558 IR@corpbanca.cl Rodrigo Couto CFO. Itaú Corpbanca Santiago. Chile Phone: (562) 2834-6067 rodrigo.couto@itau.cl CAUTION REGARDING FORWARD-LOOKING STATEMENTS |

---

## Exhibit 99.1

#### Exhibit 99.1(b

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg001.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exhibit 99.1b) Itaú Corpbanca Announces Fourth Quarter 2022 Management Discussion & Analysis Report SANTIAGO, Chile, February 28, 2023 (GLOBE NEWSWIRE) -- ITAÚ CORPBANCA (NYSE: ITCB; SSE: ITAUCORP) announced today its Management Discussion & Analysis Report ("MD&A Report") for the fourth quarter ended December 31, 2022. For the full MD&A Report, please refer to the following link. https://ir.itau.cl/files/doc_financials/2022/q4/Itau-Corpbanca-4Q22-MD-A.pdf On Wednesday, March 1, 2023, at 11:00 A.M. Santiago time (09:00 A.M. ET), the Company's management team will host a conference call to discuss the financial results. The call will be hosted by Gabriel Moura, Itaú Corpbanca's Chief Executive Officer; Rodrigo Couto, Itaú Corpbanca's Chief Financial Officer and Liliana Gonzalez Londono, Head of Corporate Strategy & Financial Planning. Conference Call Details: Online registration: https://conferencingportals.com/event/LcAnNmZD Phone registration: +1 (800) 770-2030 or +1 (647) 362-9199 Upon registering, each participant will be provided with call details and a registrant ID used to track attendance on the conference call (Access Code: 61362#). Reminders will also be sent to registered participants via email. Please provide this registration information to those participants that you would like to attend your conference call. Telephone and Virtual Q&A session: Telephone Q&A session will be available as well as written Q&A through a box on the console, where attendees can type in their questions. We will read and answer selected questions verbally. Slides and Audio Webcast: There will also be a live, and then archived, webcast of the conference call, available through the Company's website. Participants in the live webcast should register on the website approximately 10 minutes prior to the start of the webcast. The webcast can be found at: https://events.q4inc.com/attendee/941389613 Webcast will be available on-demand via the same address as the live event afterwards. Investor Relations – Itaú Corpbanca +56 (2) 2660-1701 / IR@itau.cl / ir.itau.cl |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg002.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Itau.cl Itaú Chile Itauchile itauchile Management Discussion & Analysis and Complete Balance sheet & income statements 4Q22  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg003.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(This page was intentionally left blank)  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg004.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 Itaú 5 19 21 23 43 33 49 52 Additional Information Complete Balance sheet & income statements 60 Report of Independent Auditors **Table of Contents** Management Discussion & Analysis Income Statement and Balance Sheet Analysis Managerial results - Breakdown by country Managerial results - Breakdown for Chile Managerial results - Breakdown for Colombia Balance Sheet Risk and Capital Management Access here 7 Executive Summary  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg005.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(This page was intentionally left blank)  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg006.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Management Discussion & Analysis |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg007.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6 Itaú This report is based on Itaú reviewed financial statements for 4Q22, 3Q22 and 4Q21 prepared in accordance with the Com-pendium of Accounting Standards issued by the Chilean Commission for the Financial Market (Comisión para el Mercado Financiero, or "CMF") pursuant to Chilean Generally Accepted Accounting Principles (Chilean GAAP), which conform with the International Financial Reporting Standards issued by the International Accounting Standards Board (IASB) to the extent that there are not specific instructions or regulations to the contrary issued by the CMF. Solely for the convenience of the reader, U.S. dollar amounts (US$) in this report have been translated from Chilean nominal peso (Ch$) at our own exchange rate as of December 31, 2022 of Ch$854.31 per U.S. dollar. Industry data contained herein has been obtained from the information provided either by the CMF or the Colombian Superintendency of Finance (Superintendencia Financiera de Colombia, or "SF"). Certain figures included in this Quarterly Report for the three months ended December 31, 2022 and 2021, for the three months ended September 30, 2022 and for the twelve-month periods ended December 31, 2022 and 2021 have been round-ed for ease of presentation. Percentage figures included in this Quarterly Report have in all cases not been calculated on the basis of such rounded figures but on the basis of such amounts prior to rounding. For this reason, percentage amounts in this Quarterly Report may vary slightly from those obtained by performing the same calculations using the figures in our consolidated financial statements and our managerial information. Certain other amounts that appear in this Quarterly Report may similarly not sum due to rounding. As used in this MD&A Report, the term "billion" means one thousand million (1000000000) and the term "trillion" means one million million (1000000000000). |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg008.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive Summary 01 Management Discussion & Analysis and Complete Balance sheet & income statements  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg009.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8 Itaú Management Discussion & Analysis Executive Summary Results Performance Balance Sheet Competitive Environment Itaú operates in the financial market registering its headquarters in Chile, complemented by its operations in Colombia and Panama, a branch in New York and a representative office in Lima, Peru. It seeks to offer its clients a complete set of financial solutions that include credit products, investment, insurance, among other financial services, complemented by a multichannel service model covering the provision of physical and digital branches, as well as mobile channels (APP and web). Financial Industry Results Loan growth Macroeconomic scenario At the end of December 2022, the financial system in Chile reached a total of Ch$225.1 billion (excluding operations in Colombia and BCI Florida), presenting a growth of 0.6% compared to the previous quarter and 10.0% compared to the same month of 2021. In relation to the composition of the portfolio, 54.4% of the total is explained by commercial loans, while mortgage and consumer loans increase their presence within the total, reaching 33.3% and 12.3%, respectively. On the other hand, in the comparison in 12 months, there is a change in the loans mix, registering a decrease in the total presence of com-mercial loans (56.0% at the end of December 2021), compared to a greater relevance of consumer and mortgage. Itaú Chile achieved a market share of 10.1% in its total loans portfolio, 11.4% in commercial loans, 8.4% in consumer and 8.5% in mortgage, presenting a growth of 2bp in total participation compared to the observed at the end of the previous quarter, driven by a higher share in consumer, while compared to December 2021, a gain of 30bp was recorded in the total market share, driven by a higher share in consumer loans by 83bp, followed by the improvement of 38bp in commercial portfolio and 12bp in mortgage. Chile: During 4Q22, the slowdown in economic activity was more gradual than expected, with sequential contractions, driven by weakening consumption. The December CPI had a monthly increase of 0.3%, totaling 12.8% in the year, resuming a downward trajectory from the maximum of 14.1% observed in August, however, it ended the year well above the Central Bank's estimate of 12.3% reported in the Monetary Policy Report (IPoM) of December. While there are strong signs that inflation is gradual-ly correcting, levels remain high and risks remain. The Q4 Monetary Policy Report (IPoM) reaffirmed that rate cuts are unlikely in the first quarter of 2023. The updated scenario is assuming current rates (11.25%) and a gradual easing to 8.5%, on average during 4Q23 (33% confidence interval) which is in line with the correction of the large macroeconomic imbalances accumulated in 2022 and supports the convergence of inflation towards the 3% target, for a 2-year horizon. In the political context, Congress approved the new constitutional process and the Government, marked by high disapproval, announced new economic support measures that include cash transfers, extension of the job creation subsidy and a new state guarantee fund for construction loans (USD60 million), among others, measures deemed unlikely to alter the macroeconomic outlook. Colombia: In the latest measurement (3Q22), economic activity surprised with growth of 7.0% year-on-year, with some signs of a gradual slowdown, with sectoral activity marked by growth in retail sales and contraction in the manufacturing sector. Inflationary pressures, meanwhile, show no sign of easing. The CPI increased by 1.26% from November to December, closing the year with inflation of 13.12%. The government raised the growth estimate for 2022 by 1.7 percentage points to 8.2%; while for 2023, the Ministry of Finance projects growth of 1.3%, substantially above the Central Bank's 0.5% estimate (Itaú: 0.6%). In the political context, Congress approved the tax reform that plans on collecting COP 20 trillion (1.4% of GDP) by 2023, while the government expects to collect, in the next four years, another COP25 trillion through the fight against tax evasion. In this same scenario, unions and business reached an unprecedented agreement to increase the minimum wage by 16% in nominal terms, maintain inflationary pressures elevated. A tighter macroeconomic policy mix and weaker global growth should affect the country's growth, which is why we expect inflation to reach 8.7% in 2023 and the monetary policy rate to stand at 13.25%, through increases of 75bps and 50bps at the first and second meetings of the year, respec-tively. trillion (4Q22/3Q22) (4Q22/4Q21) Commercial 54.4% Consumer 12.3% Mortgage 33.3% 0.6% 10.0% Loans Ch$225.1  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg010.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 Itaú Management Discussion & Analysis Executive Summary In Ch$ million (except where indicated), end of period 4Q22 3Q22 4Q21 12M22 12M21 Recurring Net Income 83,542 117,107 82,365 456,864 307,235 Operating Revenues 372,924 374,370 337,140 1,437,374 1,187,789 1 Managerial Financial Margin 325,413 323,048 296,030 1,243,768 1,017,557 Recurring Return on Tangible Avg. assets (RoTAA) 2 3 0.8% 1.2% 0.9% 1.2% 0.9% Recurring Return on Tangible Avg. equity (RoTAE) 12.4% 17.6% 13.9% 17.2% 15.7% Recurring Return on Avg. assets (RoAA) 2 0.8% 1.2% 0.9% 1.2% 0.9% Recurring Return on Avg. equity (RoAE) 2 5 10.1% 14.4% 11.3% 14.1% 12.3% Risk Index (Loan loss allowances / Total loans) 2.7% 2.8% 3.2% 2.7% 3.2% Non-performing Loans Ratio 90 days overdue (NPL) - Total 2.0% 2.1% 1.9% 2.0% 1.9% Non-performing Loans Ratio 90 days overdue (NPL) - Chile 1.9% 1.9% 1.6% 1.9% 1.6% Non-performing Loans Ratio 90 days overdue (NPL) - Colombia 2.4% 2.9% 3.2% 2.4% 3.2% Coverage Ratio (Loan Losses/NPL 90 days overdue) - Total 137.7% 134.2% 171.7% 137.7% 171.7% Efficiency Ratio (Non-interest expenses / Operating revenues) 54.0% 47.8% 51.9% 49.0% 54.3% Risk-Adjusted Efficiency Ratio (RAER) 6 82.5% 72.0% 77.2% 70.9% 71.5% Total Assets 40,504,299 42,171,663 37,784,282 Gross Total Credit Portfolio 26,627,225 27,328,200 24,754,132 Total Deposits 18,258,838 18,499,888 17,673,538 Loan Portfolio / Total Deposits 145.83% 147.72% 140.06% Shareholders Equity 3,320,109 3,310,658 3,277,800 Tangible Equity 4 2,659,584 2,719,931 2,737,931 Headcount 7 7,558 7,740 7,816 Chile 5,163 5,298 5,125 Colombia 2,395 2,442 2,691 Branches 8 253 255 292 Chile 179 177 188 Colombia 74 78 104 ATM –Automated Teller Machines 462 460 523 Chile 359 358 402 Colombia 103 102 121 Notes: (1) Operating Revenues = Managerial Financial Margin + Commissions and fees. (2) Annualized figures when appropriate. (3) Total tangible assets = Total assets excluding goodwill and intangibles from business combination. (4) Tangible equity = Shareholders equity - goodwill - intangibles from business combination - related deferred tax liabilities; for further details see page 47 of this report. (5) Equity = Shareholders equity. (6) Starting 3Q19 we are adding the cost of credit to the non-interest expenses for the calculation of the risk-adjusted efficiency ratio, instead of deducting it from the operating revenues. Previous quarters have been recalculated for comparison purposes. (7) Headcount for Chile includes employees of our New York branch and since 1Q18 also from our RepOffice in Lima; and headcount for Colombia includes employees of Itaú (Panamá). (8) Branches for Chile include one branch in New York and branches for Colombia include one office in Panama. Results Performance Balance Sheet Other Itaú Financial Information The financial information included in this Management Discussion & Analysis Report ("MD&A Report") is based on our managerial model that we adjust for non-recurring events and for additional reclassifications of P&L lines in order to provide a better understanding of our performance. Please refer to pages 11, 12 and 13 of this report for further details on our managerial model. Below we present the consolidated managerial and operating information of Itaú for the three months ended December 31, 2022 and 2021, for the three months ended September 30, 2022 and as of December 31, 2022 and 2021. Financial Highlights |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg011.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10 Itaú Management Discussion & Analysis Executive Summary Highlights Indicators In Ch$ million (except where indicated), end of period 4Q22 3Q22 4Q21 12M22 12M21 Total Outstanding shares (Thousands) 973,517.87 973,517.87 973,517.87 973,517.87 973,517.87 Book Value per share (Ch$) 3.410 3.401 3.367 3.410 3.367 Diluted Recurring Earnings per share (Ch$) 0.086 0.120 0.085 0.469 0.316 Accounting Diluted Earnings per share (Ch$) 0.081 0.116 0.068 0.446 0.285 Diluted Recurring Earnings per ADR (US$) 0.151 0.187 0.150 0.824 0.561 Accounting Diluted Earnings per ADR (US$) 0.143 0.180 0.121 0.782 0.507 Dividend (Ch$ million) n.a. n.a. n.a. 277,806 n.a. Dividend per share (Ch$) n.a. n.a. n.a. 0.0856 n.a. Market capitalization (Ch$ billion) 1,820.48 1,784.46 1,604.36 1,820.48 1,604.36 Market capitalization (US$ billion) 2.1 1.8 1.9 2.1 1.9 Solvency Ratio - BIS Ratio 9 15.26% 14.85% 16.22% 15.26% 16.22% Shareholders' equity / Total assets 8.20% 7.85% 8.68% 8.20% 8.68% Shareholders' equity / Total liabilities 8.93% 8.52% 9.52% 8.93% 9.52% Ch$ exchange rate for US$1.0 854.31 965.75 844.08 854.31 844.08 COP exchange rate for Ch$1.0 0.1761 0.2099 0.2103 0.1761 0.2103 Monetary Policy Interest Rate - Chile 10 11.3% 10.8% 4.0% 11.3% 4.0% Monetary Policy Interest Rate - Colombia 10 12.0% 10.0% 3.0% 12.0% 3.0% Quarterly UF variation - Chile11 2.5% 3.5% 3.0% 12.5% 6.4% Quarterly CPI variation - Chile 2.0% 3.7% 2.8% 12.8% 7.2% Quarterly CPI variation - Colombia 3.0% 3.0% 1.3% 13.1% 5.6% Indicators Highlights Notes: (9) BIS Ratio= Regulatory capital / RWA, according to CMF current definitions for 2022 and to prior CMF BIS I definitions for 4Q2 1. (10) End of each period. (11) UF (Unidad de Fomento) is an official unit of account in Chile that is constantly adjusted for inflation and widely used in Chile for prici ng several loans and contracts. The monitoring and management of Itaú's performance is carried out through the monitoring of critical financial indicators such as its level of Efficiency, delinquency rates, RoTE and return on capital, among others, which are analyzed in detail in this quarterly disclosure document. Regarding the measurement of "non-financial" indicators, Itaú continuously monitors key variables within the framework of its vision as a leading bank in sustainable performance and customer satisfaction, highlighting the measurements of NPS (Net Promoter Score, adopted since 2019), staff turnover rates, gender composition, climate measurements, shared value and social impact, among others; indicators that are presented and analyzed on a recurring basis in the annual disclosures of the Bank's Annual Report (see details in Annual Report 2021 available in https://s2.q4cdn.com/476556808/files/doc_financials/2021/ar/ITCB_Memoria-Integrada-Anual-2021.pdf) |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg012.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11 Itaú Management Discussion & Analysis Executive Summary Highlights Indicators Indicators Highlights In Ch$ million 4Q22 3Q22 4Q21 12M22 12M21 Net Income Attributable to Shareholders (Accounting) 79,278 112,982 66,290 433,744 277,806 Non-Recurring Events 4,265 4,124 16,075 23,119 29,429 (a) Transaction Costs - 2 241 1,644 446 (b) Goodwill impairment and amortization/impairment of intangible generated through business combinations 5,424 5,424 5,424 21,695 21,695 (c) Provisions, impairment and accelerated depreciation - - 454 - 2,047 (d) Provisions for restructuring - - 17,138 8,291 17,138 (e) Other Costs 419 224 (491) 1,290 2,788 Tax Effects (1577) (1525) (6689) (9800) (14685) Recurring Net Income Attributable to Shareholders (Managerial) 83,542 117,107 82,365 456,864 307,235 Non-Recurring Events Net Income and Recurring Net Income Events that we have considered non-recurring correspond to: (a) Transaction Costs: Costs related to the closing of the merger between Banco Itaú Chile and Corpbanca, such as investment banks, legal advisors, auditors and other related expenses. (b) Goodwill impairment and amortization/impairment of intangible generated through business combinations: Amortization of intangi-bles arising from business combination, such as customer relationships. (c) Provisions, impairment and accelerated depreciation: Considers (i) provisions for physical structure restructuring; (ii) impairment of intangible technology assets related to the systems consolidation process; and (iii) impairment and accelerated depreciation of fixed assets related to footprint revision and migration to a Remote First working model. (d) Provisions for restructuring: Costs related to the optimization of the physical infrastructure in Chile and to the operational and digital transformation in Colombia. (e) Other Costs: Mainly due to provisions related to the systems consolidation process generated in the Itaú integration and costs related to the capital increase made by the Bank. Our recurring net income attributable to shareholders totaled Ch$83,542 million in the fourth quarter of 2022, compared to an accounting net income of Ch$79,278 million for the same period, as non-recurring items are being subtracted. Figures are presented in the following table: |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg013.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12 Itaú Management Discussion & Analysis Executive Summary Managerial Income Statement U.S. dollar Colombian peso Ch$854.31 Ch$0.1761 -11.5% +1.2% (4Q22/4Q21) -16.1% (4Q22/3Q22) -16.3% (4Q22/4Q21) Our managerial financial model reflects how management measures and analyzes financial performance by disaggregating commercial perfor-mance, financial risk management, credit risk and costs control. For our managerial results, we adjust for non-recurring events that affect accounting net income (as detailed on the previous page) and apply managerial criteria to disclose our income statements. Regarding the latter, our managerial criteria affects the breakdown of our income statement but does not impact our net income. Among the managerial adjustments, we highlight the tax effects of the hedge of our invest-ments abroad, originally accounted for as income tax expense on our Net Income and subsequently reclassified as financial margin, the reclassifi-cation of foreign exchange hedge positions of US dollars denominated provisions, the reclassification of country-risk provisions, the provisions for assets received in lieu of payment, provisions and write-off of assets received in lieu of payment, and the reclassification of provisions for our credit card loyalty program. These reclassifications enable us to carry out a business analysis from management's perspective. Beginning with the first quarter of 2019 we have been disclosing our income statement in the same manner as we do internally, incorporating additional P&L reclassifications. One important change to highlight would be the Managerial Financial Margin disclosure as it is shown in the table on page 14 (Accounting and Managerial State-ments Reconciliation) of this report together with our previous P&L reclassifications. With regards to the hedging of investments abroad, our strategy for foreign exchange risk management is aimed at mitigating t he effects of foreign exchange variations through financial instruments and includes the impact of all tax effects. As the consolidated financial statements for Itaú uses the Chilean peso as its functional currency, foreign currencies are tr anslated into Chilean peso. In the fourth quarter of 2022, the Chilean peso appreciated 16.1% against the Colombian peso, compared to an appreciation of 5.9% in the previous quarter. In addition, the Chilean peso showed an appreciation of 11.5% against the dollar in the last quarter of 2022. Approximately 29% of our loan portfolio is denominated in, or indexed to, foreign currencies. We present below the foreign exchange variation of the Chilean peso against the U.S. dollar and the Colombian peso: For tax purposes, the Chilean Internal Revenue Service (Servicio de Impuestos Internos or "SII") considers that our investment in Colombia is denominated in U.S. dollars, which based on the exchange rates of each of disburse-ments (not current exchange rates) is US$2,207 million. This amount considers the acquisition of shares of Itaú Colombia from Helm LLC and Kresge Stock Holding Company announced to the market in December 3, 2019 for approximately US$334 million and the acquisition of an additional 12.36% share ownership in Itaú Colombia on February 22, 2022 for approximately US$414 million. As we have to translate the valuation of this investment from U.S. dollar to Chilean peso in our books each month, the volatility of the exchange rate generates an impact in the net income attributable to shareholders. In order to limit that effect, management has decided to hedge this exposure with derivatives to be analyzed along with income tax expenses. In addition to the New York Branch, in the first quarter of 2020, management decided to consider other investments in its hedge strategy with derivatives, also to be analyzed along with income tax expenses (total exposure US$182 million). (4Q22/3Q22) Main foreign exchange variations of the Chilean peso |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg014.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13 Itaú Management Discussion & Analysis Executive Summary We present below a detailed reconciliation from our accounting income statements to our managerial income statements before adding/deducting non-recurring events as previously described. Even though the example below has been prepared with 4Q22 figures, it can be used to replicate any period: Managerial Income Statement in Ch$ million 4Q22 in Ch$ million 4Q22 1 Interest Income 871,121 Operating Revenues 309,589 1 Interest Expense (590449) 1 Managerial Financial Margin 242,241 Net Interest Income 280,672 Financial Margin with Clients 352,851 2 Fees and commission income 67,349 Financial Margin with the Market (110610) 4 Fees and commission expense (23959) 2 Commissions and Fees 67,349 Net fee and commission income 43,390 3 Cost of Credit (102214) 1 Total financial transactions, net (44259) Provision for Loan Losses (139633) 1 Other operating income 4,687 Recovery of Loans Written Off as Losses 37,419 Total operating income 284,490 Credit Value Adjustment (or "CVA"; ratings and colla-terals effects) - 3 Provision for Loan Losses (119068) 4 Non-interest Expenses (240387) 3 Recoveries from loans written-off as losses 37,419 Personnel Expenses (99409) 3 Result of non-current assets (20565) Administrative Expenses (114951) Net operating income 182,276 Depreciation, Amortization and Impairment (26027) 4 Personnel expenses (99409) Income before Tax and Minority Interests (33012) 4 Administrative expenses (86487) 5 Income tax expense 112,291 4 Depreciation and amortization (26017) 6 Minority Interests in Subsidiaries (2) 4 Impairments (10) Net Income attributable to Shareholders 79,278 4 Other operating expenses (4506) Total operating expenses (216428) Operating Income (34152) 1 Income from investments in other companies 1,141 Income before taxes (33012) 5 Income tax expense 112,291 Net Income 79,279 6 Minority interests (2) Net Income attributable to Shareholders 79,278 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg015.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14 Itaú Management Discussion & Analysis Executive Summary Accounting and Managerial Income Statements Reconciliation In Ch$ million Accounting Managerial Reclassifications Tax Effect of Hedge Non-recurring Events Managerial Operating Revenues 309,589 (29041) 92,376 - 372,924 Managerial Financial Margin 242,241 (9203) 92,376 - 325,413 Financial Margin with Clients 352,851 (26160) - - 326,690 Financial Margin with the Market (110610) 16,957 92,376 - (1277) Commissions and Fees 67,349 (19838) - - 47,511 Cost of Credit (102214) (4003) - - (106217) Provision for Loan Losses (139633) 15,729 - - (123904) Recovery of Loans Written Off as Losses 37,419 (19557) - - 17,862 Credit Value Adjustment (or "CVA"; ratings and collaterals effects) - (175) - - (175) Non-interest Expenses (240387) 33,151 - 5,842 (201394) Personnel Expenses (99409) 3,988 - - (95420) Administrative Expenses (114951) 22,949 - 418 (91584) Depreciation, Amortization and Impairment (26027) 6,213 - 5,424 (14390) Income before Tax and Minority Interests (33012) 107 92,376 5,842 65,313 Income Tax Expense 112,291 (166) (92376) (1577) 18,171 Minority Interests in Subsidiaries (2) 59 - - 57 Recurring Net Income 79,278 - - 4,264 83,542 Accounting and Managerial Income Statements Reconciliation \| 4 th Quarter of 2022 Accounting and Managerial Income Statements Reconciliation \| 3 rd Quarter of 2022 In Ch$ million Accounting Managerial Reclassifications Tax Effect of Hedge Non-recurring Events Managerial Operating Revenues 427,129 (27838) (24921) - 374,370 Managerial Financial Margin 360,733 (12764) (24921) - 323,048 Financial Margin with Clients 311,488 (5683) - - 305,804 Financial Margin with the Market 49,245 (7080) (24921) - 17,244 Commissions and Fees 66,396 (15074) - - 51,322 Cost of Credit (94329) 3,441 - - (90888) Provision for Loan Losses (111365) (2666) - - (114032) Recovery of Loans Written Off as Losses 17,036 1,047 - - 18,083 Credit Value Adjustment (or "CVA"; ratings and collat-erals effects) - 5,061 - - 5,061 Non-interest Expenses (208873) 24,415 - 5,649 (178810) Personnel Expenses (83363) 2,438 - - (80925) Administrative Expenses (101454) 16,005 - 225 (85224) Depreciation, Amortization and Impairment (24057) 5,972 - 5,424 (12661) Income before Tax and Minority Interests 123,927 18 (24921) 5,649 104,672 Income Tax Expense (10927) 171 24,921 (1525) 12,640 Minority Interests in Subsidiaries (17) (189) - - (206) Recurring Net Income 112,982 - - 4,124 117,107 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg016.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15 Itaú Management Discussion & Analysis Executive Summary We present below the managerial income statements with the reclassification and non-recurring adjustments described above: 4 th quarter of 2022 Income Statement In Ch$ million 4Q22 3Q22 change 4Q21 change 12M22 12M21 change Operating Revenues 372,924 374,370 -0.4% (1446) 337,140 10.6% 35,784 1,437,374 1,187,789 21.0% 249,585 Managerial Financial Margin 325,413 323,048 0.7% 2,365 296,030 9.9% 29,383 1,243,768 1,017,557 22.2% 226,211 Financial Margin with Clients 326,690 305,804 6.8% 20,886 249,243 31.1% 77,448 1,157,244 854,534 35.4% 302,710 Financial Margin with the Market (1277) 17,244 -107.4% (18521) 46,787 -102.7% (48064) 86,524 163,023 -46.9% (76499) Commissions and Fees 47,511 51,322 -7.4% (3811) 41,110 15.6% 6,401 193,606 170,231 13.7% 23,374 Cost of Credit (106217) (90888) 16.9% (15329) (85099) 24.8% (21118) (314656) (203815) 54.4% (110841) Provision for Loan Losses (123904) (114032) 8.7% (9872) (113293) 9.4% (10611) (391620) (280412) 39.7% (111208) Recovery of Loans Written Off as Losses 17,862 18,083 -1.2% (221) 19,015 -6.1% (1153) 69,749 68,173 2.3% 1,576 Credit Value Adjustment (or "CVA"; ratings and collaterals effects) (175) 5,061 -103.5% (5236) 9,178 -101.9% (9354) 7,215 8,424 -14.4% (1209) Non-interest Expenses (201394) (178810) 12.6% (22584) (175117) 15.0% (26277) (704720) (645355) 9.2% (59365) Personnel Expenses (95420) (80925) 17.9% (14496) (79422) 20.1% (15998) (329239) (297409) 10.7% (31830) Administrative Expenses (91584) (85224) 7.5% (6360) (80526) 13.7% (11058) (324297) (296610) 9.3% (27687) Depreciation. Amortization and Impairment (14390) (12661) 13.7% (1729) (15169) -5.1% 779 (51183) (51335) -0.3% 152 Income before Tax and Minority Interests 65,313 104,672 -37.6% (39359) 76,924 -15.1% (11610) 417,997 338,619 23.4% 79,379 Income Tax Expense 18,171 12,641 43.8% 5,531 5,310 242.2% 12,862 39,256 (29693) - 68,949 Minority Interests in Subsidiaries 57 (206) -127.9% 263 132 -56.4% (74) (389) (1690) -77.0% 1,301 Recurring Net Income 83,542 117,107 -28.7% (33565) 82,365 1.4% 1,177 456,864 307,235 48.7% 149,629 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg017.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16 Itaú Management Discussion & Analysis Executive Summary Return on Average Tangible Equity1 Recurring Net Income Results Net income analysis presented below is based on the Managerial Income Statement with the adjustments shown on pages 11 and 12 : Ch$83.5 billion for the 4Q22 Highlights in 4Q22 For further details by country see page 40 Highlights of the quarter The Recurring Net Income amounted to Ch$83.5 billion in the fourth quarter of 2022, presenting a decrease of 28.7% compared to the previous quarter and a growth of 1.4% compared to the same period of 2021. As a result, Return on Average Tangible Equity reached 12.4% as of December 31, 2022. In Chile, the Recurring Net Income totaled Ch$103.8 billion, 8.9% lower than the previous quarter, as a result of increases in Cost of Credit and Non-interest Expenses, effects that were partially offset by a 10.5% improvement in Operating Revenues, driven by higher Financial Margin with Market. Compared to the same period of 2021, the Recur-ring Net Income for this quarter increased by 22.9%, due to the higher results in Managerial Financial Margin that was observed in 2022 from the growth of portfolios, the increase in interest rates and the rise in inflation. In constant currency, Colombia's Recurring Net Income totaled a loss of Ch$20.2 billion, lower than the previous quarter due to a decrease in Financial Margin with Market and growth in Cost of Credit. Compared to the fourth quarter of 2021, this result represents a greater loss of 882.2%, as a result of the increase in the Cost of Credit due to impair-ment in non-performing loans (mainly Retail portfolio) and lower results of Financial Margin with Market. 12.4% The annualized recurring return on average tangible equity reached 12.4 in the fourth quarter of 2022, 5.2 percentage points below the value recorded in the previous quarter and 1.5 percentage points lower than the ratio observed in the fourth quarter of 2021. Average tangible shareholders equity totaled Ch$2,691.5 billion, representing an increase of 0.9% compared to the last quarter and a 13.6% increase compared to the same period of 2021, growth that is based on the capital increase made by the Bank and the higher results obtained in 2022 Annualized recurring return on average assets ex-goodwill and ex-intangibles from business combinations reached 0.8% in the fourth quarter of 2022, presenting a decrease of 33.5bps compared to the previous quarter and a growth of 8.4bps compared to the fourth quarter of 2021, given the growth of 11.8% in the level of total average assets. For further details by country see page 47 (1) Tangible Equity: Shareholders equity net of goodwill, intangibles from business combination and related deferred tax liabilities. Ch$ million 82,365 110,845 145,370 117,107 83,542 4Q'21 1Q'22 2Q '22 3Q '22 4Q'22 -28.7% +48.7% 307,235 456,864 12M21 12M22 +1.4% 13.9% 16.9% 22.1% 17.6% 12.4% 15.7% 17.2% 0.9% 1.2% 1.5% 1.2% 0.8% 0.9% 1.2% 1 0. 0% 1 5.0% 20. 0% 25. 0% 30. 0% 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 12M21 12M22 -3.0% -2.0% -1 .0% 0.0% 1 .0% 2.0% 3.0% Annualized Recurring Return on Average Equity (quarterly) Annualized Recurring Return on Average Assets (quarterly) -1.5pp -5.2pp +1.5pp |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg018.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 Itaú 85,099 42,961 74,590 90,888 106,217 203,815 314,656 1.4 0.7 1.2 1.4 1.6 0.9 1.2 - 2. 0 - 1. 6 - 1. 2 - 0. 8 - 0. 4 - 0.4 0.8 1 .2 1 .6 2.0 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 12M21 12M22 - 50,00 1 0,000 1 50,000 200, 00 250, 00 300, 00 350, 00 Cost of credit (Ch$ million) +22.0pb +22.1pb +36.8pb Financial Margin with Clients Cost of Credit Ch$326.7 billion For further details by country see pages 24 and 34 Ch$106.2 billion Commissions and Fees Efficiency Ratio For further details by country see pages 26 and 36 54.0% The Financial Margin with Clients increased by 6.8% in the fourth quarter of 2022, compared to the previous period, due to the higher results on liabilities and capital observed in Chile and Colombia, as a result of the increase in monetary policy rates registered in both countries, together with the growth of loans portfolio and specific profits obtained in portfolio sales observed mainly in Chile. When compared to the fourth quarter of 2021, our Financial Margin with Clients increased by 31.1%, due to the growth of asset and liability portfolios and the higher value of the average TPM to date (in Chile and Colombia). In the fourth quarter of 2022, the Bank's Efficiency ratio showed a growth of 6.2 percentage points compared to the previous quarter, totaling 54.0%, a variation that is due to the 12.6% growth in Non-interest Expenses com-pared to a slight movement in Operating Revenues. When compared to the fourth quarter of 2021, the Efficiency ratio increased by 2.1 percentage points, due to the combination of the increase in Non-interest Expenses by 15.0% and the higher level of revenues observed in 4Q22 by 10.6% (expansion of Operating Revenues). The Cost of Credit for the fourth quarter of 2022 showed an increase of 16.9% compared to the previous quarter, as a result of higher delinquency associated with the activity of the Retail business, both in Chile and Colom-bia, together with the recognition of greater commercial write-off associat-ed with wholesale clients (Colombia) and reverses of CVA provisions recog-nized in the previous quarter. When compared to the fourth quarter of 2021, the Cost of Credit increased by 24.8%, mainly due to positive effects registered in the Cost of Credit during 2021, as a result of the economic support applied in the COVID 19 Pandemic, basically in Chile. 41,110 45,688 49,085 51,322 47,511 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 170,231 193,606 12M21 12M22 -7.4% +15.6% +13.7% Ch$47.5 billion In the fourth quarter of 2022, income from Commissions and fees decreased by 7.4% compared to the previous period, due to lower results obtained in Chile in relation to structuring fees and income related to credit cards, services classified within the item Financial Advisory and Others (table page 26). When compared to the fourth quarter of 2021, Commissions and fees increased by 15.6% due to higher results in relation to Financial Advisory and Other fees (Chile and Colombia), together with better results in Insurance Brokerage, driven by the higher consumer activity observed in the year and the improvement in the respective cross selling. For further details by country see pages 31 and 41 Management Discussion & Analysis Executive Summary For further details by country see pages 27 and 37 249,243 248,560 276,190 305,804 326,690 854,534 1,157,244 3.14 3.20 3.46 3.67 3.90 2.84 3.57 - 3. 0 - 2. 0 - 1. 0 - 1 .00 2.00 3.00 4.00 50,00 1 0,000 1 50,000 200, 00 250, 00 300, 00 350, 00 400, 00 450, 00 500, 00 550, 00 600, 00 650, 00 700, 00 750, 00 800, 00 850, 00 900, 00 950, 00 1 ,00, 00 1 ,050,000 1 ,1 0,000 1 ,1 50,000 1 ,20,000 1 ,250,000 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 12M21 12M22 Financial Margin with Clients Financial margin with clients (annualized average rate) +75.6pb +23.4pb Ch$ million +72.4pb Ch$ million Ch$ million +2.06% -5.30% +6.24% 51.9% 49.0% 45.3% 47.8% 54.0% 54.3% 49.0% 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 12M21 12M22 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg019.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18 Itaú Management Discussion & Analysis Executive Summary Forecast The historical results, the analysis of the trends observed in critical business variables (levels of portfolio growth, retur ns, risk and expense control, among others), capital requirements; as well as the analysis and continuous review of the general environmen t in which the Bank's commercial activity is carried out (macroeconomic, social, regulatory, etc.) constitute the basis for the de finition of the financial objectives generated in the annual strategic planning process, which are finally translated into the measuremen t of Forecast that establishes the base framework for the development and focus of the commercial actions of the year. In this way, for the year 2022 the Forecast Bank considered: Although the growth plans and projections of results presented above are based on management assumptions and information avai lable in the market at the beginning of 2022, these expectations involve inaccuracies and risks that are difficult to anticipate and there may be, therefore, results or consequences that differ from those anticipated. This information is not a guarantee of future performance. The use of the se expectations should take into consideration the risks and uncertainties that involve any activities and that are beyond our control. These risks and uncertainties include, but are not limited to, our ability to perceive the dimension of the synergies projected and their timing, political and econ omic changes, volatility in interest and foreign exchange rates, technological changes, inflation, financial disintermediation, competitive pressures on products, prices and changes in tax legislation, among others. (1) Net provision for credit & counterparty risks belowinflation increasing as interest rates rise high single digit Financial margin with clients average rate Loan growth Cost of credit risk1 Non-Interest Expenses growth range from 0.7% to 1.0% Expected In terms of Financial margin with clients and Non-Interest Expenses, the performance was in line with expectations, in an economic context marked by strong inflationary pressure, which in turn also meant that portfolio growth was more moderate, however the Bank highlighted, in different loans products, being a leader in growth 12 months within the financial industry (foreign trad e, factor-ing, leasing, mortgage, among others). On the other hand, at the level of Cost of credit, the increase in non-performing loans and the recognition of additional provisions, implied an increase in the ratio, reaching 1.2% in the year (1.0% excluding additional provisions). For its part, the expectation for the year 2023 is as follows: (1) Net provision for credit & counterparty risks in line with inflation stable as interest rates decline mid single digit Financial margin with clients average rate Loan growth Cost of credit risk1 Non-Interest Expenses growth range from 1.1% to 1.5% Expected  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg020.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income Statement and Balance Sheet Analysis 02 Management Discussion & Analysis and Complete Balance sheet & income statements  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg021.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(This page was intentionally left blank)  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg022.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21 Itaú Management Discussion & Analysis Income Statement Analysis Managerial Results \| Breakdown by Country The financial results of Itaú in Chile include some expenses associated with our Colombian operations. To provide a clear view of the contribution of each operation to the consolidated financial results we have reclassified from Chile to Colombia: • the cost of derivative structures used to hedge the investment and its related tax effects; and • other results and overhead costs from Colombia in Chile. For more details on managerial information, please refer to pages 11, 12 and 13 of this report. Highlights In this section, we present and analyze our results from the operations in Chile and in Colombia separately for 4Q22, 3Q22 an d 4Q21: 4Q22 3Q22 Change In Ch$ million Consolidated Chile Colombia1 Consolidated Chile Colombia1 Consolidated Chile Colombia1 Operating Revenues 372,924 340,932 57,154 374,370 308,438 65,834 -0.4% 10.5% -13.2% Managerial Financial Margin 325,413 300,305 50,270 323,048 264,606 58,344 0.7% 13.5% -13.8% Financial Margin with Clients 326,690 253,227 73,463 305,804 234,085 71,719 6.8% 8.2% 2.4% Financial Margin with the Market (1277) 47,078 (23193) 17,244 30,521 (13376) -107.4% 54.2% 73.4% Commissions and Fees 47,511 40,627 6,884 51,322 43,832 7,490 -7.4% -7.3% -8.1% Cost of Credit (106217) (86579) (19638) (90888) (78314) (12574) 16.9% 10.6% 56.2% Provision for Loan Losses (123904) (99759) (24145) (114032) (95960) (18071) 8.7% 4.0% 33.6% Recovery of Loans Written Off as Losses 17,862 13,355 4,507 18,083 12,586 5,497 -1.2% 6.1% -18.0% Credit Value Adjustment (or "CVA"; ratings and collaterals effects) (175) (175) - 5,061 5,061 - -103.5% -103.5% - Non-interest Expenses (201394) (155107) (46287) (178810) (130324) (48485) 12.6% 19.0% -4.5% Personnel Expenses (95420) (74829) (20592) (80925) (60969) (19956) 17.9% 22.7% 3.2% Administrative Expenses (91584) (68621) (22963) (85224) (59560) (25663) 7.5% 15.2% -10.5% Depreciation, Amortization and Impairment (14390) (11658) (2732) (12661) (9795) (2866) 13.7% 19.0% -4.7% Income before Tax and Minority Interests 65,313 99,246 (8771) 104,672 99,800 4,774 -37.6% -0.6% -283.7% Income Tax Expense 18,171 4,462 6,916 12,641 14,202 (1535) 43.8% -68.6% -550.6% Minority Interests in Subsidiaries 57 73 (16) (206) (47) (159) -127.9% -255.9% -90.0% Costs of hedge positions - - (18368) - - 72 - - -25723.3% Recurring Net Income 83,542 103,781 (20239) 117,107 113,955 3,152 -28.7% -8.9% -742.1% Recurring Return on Managerial Tangible Equity 12.4% 17.7% -15,5% 17.6% 21.9% -0.4% -515 bps -418 bps -1513 bps 4Q22 4Q21 Change In Ch$ million Consolidated Chile Colombia1 Consolidated Chile Colombia1 Consolidated Chile Colombia1 Operating Revenues 372,924 340,932 57,154 337,140 277,488 61,976 10.6% 22.9% -7.8% Managerial Financial Margin 325,413 300,305 50,270 296,030 243,543 54,810 9.9% 23.3% -8.3% Financial Margin with Clients 326,690 253,227 73,463 249,243 197,957 51,285 31.1% 27.9% 43.2% Financial Margin with the Market (1277) 47,078 (23193) 46,787 45,586 3,525 -102.7% 3.3% -758.0% Commissions and Fees 47,511 40,627 6,884 41,110 33,944 7,166 15.6% 19.7% -3.9% Cost of Credit (106217) (86579) (19638) (85099) (69889) (15210) 24.8% 23.9% 29.1% Provision for Loan Losses (123904) (99759) (24145) (113293) (93812) (19481) 9.4% 6.3% 23.9% Recovery of Loans Written Off as Losses 17,862 13,355 4,507 19,015 14,745 4,271 -6.1% -9.4% 5.5% Credit Value Adjustment (or "CVA"; ratings and collaterals effects) (175) (175) - 9,178 9,178 - -101.9% -101.9% - Non-interest Expenses (201394) (155107) (46287) (175117) (128460) (46657) 15.0% 20.7% -0.8% Personnel Expenses (95420) (74829) (20592) (79422) (60879) (18543) 20.1% 22.9% 11.0% Administrative Expenses (91584) (68621) (22963) (80526) (56577) (23949) 13.7% 21.3% -4.1% Depreciation, Amortization and Impairment (14390) (11658) (2732) (15169) (11004) (4165) -5.1% 5.9% -34.4% Income before Tax and Minority Interests 65,313 99,246 (8771) 76,924 79,139 108 -15.1% 25.4% -8187.7% Income Tax Expense 18,171 4,462 6,916 5,310 5,228 (545) 242.2% -14.7% -1368.3% Minority Interests in Subsidiaries 57 73 (16) 132 59 73 -56.4% 23.6% -121.9% Costs of hedge positions - - (18368) - - (1696) - - 982.8% Recurring Net Income 83,542 103,781 (20239) 82,365 84,426 (2061) 1.4% 22.9% 882.2% Recurring Return on Managerial Tangible Equity 12.4% 17.7% -15.5% 13.9% 17.8% -1.7% -149 bps -13 bps -1377 bps (1) In nominal currency |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg023.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22 Itaú Management Discussion & Analysis Income Statement Analysis The Accounting and Managerial Net Income Statement Reconciliation for 4Q22, 3Q22 and 4Q21 is presented below: Managerial reclassifications: (a) Other results and overhead costs from Colombia in Chile: other results and overhead costs incurred by the administration in Chile and managerially assigned to Colombia. (b) Cost of Economic Hedge: carry cost of the derivatives used for the economic hedge of the investment in Colombia, booked in Chile. (c) Cost of Fiscal Hedge: cost of the derivative structure used for the fiscal hedge of the investment in Colombia, currently booked in Chile. Accounting and Managerial Net Income Statement Reconciliation In Ch$ million 4Q22 3Q22 4Q21 12M22 12M21 Net Income Attributable to Shareholders (Accounting) 78,965 109,967 71,911 426,492 271,526 (+) Non-recurring events 4,264 4,123 10,958 17,978 24,283 (+) Other results and overhead costs from Colombia in Chile (a) 2,184 (64) (139) 2,008 (4029) (+) Costs of fiscal and economic hedges of the investment in Colombia (b) (c) 18,368 (72) 1,696 34,769 3,532 Recurring Net Income 103,781 113,955 84,426 481,246 295,312 In Ch$ million 4Q22 3Q22 4Q21 12M22 12M21 Net Income Attributable to Shareholders (Accounting) 313 3,016 (5621) 7,252 6,280 (+) Non-recurring events - - 5,118 5,140 5,146 (+) Other results and overhead costs from Colombia in Chile (a) (2184) 64 139 (2007) 4,029 (+) Costs of fiscal and economic hedges of the investment in Colombia (b) (c) (18368) 72 (1696) (34769) (3532) Recurring Net Income (20239) 3,152 (2061) (24383) 11,923 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg024.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23 Itaú Management Discussion & Analysis Income Statement Analysis Net Income analysis for Chile presented below is based on the Managerial Income Statement with the adjustments shown on pages 21 and 22: Managerial Results \| Breakdown for Chile change change change In Ch$ million 4Q22 3Q22 % $4Q21 % $12M22 12M21 % $ Operating Revenues 340,932 308,438 10.5% 32,494 277,488 22.9% 63,445 1,230,448 933,284 31.8% 297,165 Managerial Financial Margin 300,305 264,606 13.5% 35,700 243,543 23.3% 56,762 1,067,936 794,336 34.4% 273,599 Financial Margin with Clients 253,227 234,085 8.2% 19,142 197,957 27.9% 55,270 890,463 659,968 34.9% 230,495 Financial Margin with the Market 47,078 30,521 54.2% 16,557 45,586 3.3% 1,492 177,472 134,368 32.1% 43,104 Commissions and Fees 40,627 43,832 -7.3% (3205) 33,944 19.7% 6,683 162,513 138,948 17.0% 23,565 Cost of Credit (86579) (78314) 10.6% (8265) (69889) 23.9% (16690) (253879) (133068) 90.8% (120811) Provision for Loan Losses (99759) (95960) 4.0% (3798) (93812) 6.3% (5947) (311873) (191424) 62.9% (120449) Recovery of Loans Written Off as Losses 13,355 12,586 6.1% 770 14,745 -9.4% (1389) 50,779 49,933 1.7% 847 Credit Value Adjustment (or "CVA"; ratings and collaterals effects) (175) 5,061 -103.5% (5236) 9,178 -101.9% (9354) 7,215 8,424 -14.4% (1209) Non-interest Expenses (155107) (130324) 19.0% (24783) (128460) 20.7% (26647) (522156) (468776) 11.4% (53381) Personnel Expenses (74829) (60969) 22.7% (13860) (60879) 22.9% (13949) (246397) (214975) 14.6% (31422) Administrative Expenses (68621) (59560) 15.2% (9060) (56577) 21.3% (12044) (235876) (215550) 9.4% (20327) Depreciation. Amortization and Impairment (11658) (9795) 19.0% (1863) (11004) 5.9% (654) (39883) (38251) 4.3% (1632) Income before Tax and Minority Interests 99,246 99,800 -0.6% (554) 79,139 25.4% 20,107 454,413 331,440 37.1% 122,973 Income Tax Expense 4,462 14,202 -68.6% (9740) 5,228 -14.7% (766) 26,815 (36126) -174.2% 62,941 Minority Interests in Subsidiaries 73 (47) -255.9% 120 59 23.6% 14 19 (1) - 20 Recurring Net Income 103,781 113,955 -8.9% (10173) 84,426 22.9% 19,355 481,246 295,312 63.0% 185,934 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg025.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;24 Itaú Management Discussion & Analysis Income Statement Analysis Managerial Financial Margin • Financial Margin with Clients showed an increase of 8.2% compared to the previous quarter, due to the recognition of results associated with the annual sale of student portfolio materialized in the fourth quarter of the year, in addition to the positive effects on the return on capital and portfolio of liabilities caused by the increase in the monetary policy rate (TPM). • Financial Margin with Market reached Ch$47.1 billion in the fourth quarter of 2022, exceeding by 54.2% the net profit recorde d in the previous quarter, as a result of higher revenues obtained in the management carried out by the trading desk during thi s quarter, which allowed to offset the decrease in UF readjustment profits recognized in the quarter. Highlights Managerial Financial Margin Financial Margin with Clients Ch$253.2 billion - 54.2% (4Q22/3Q22) + 3.3% (4Q22/4Q21) Financial Margin with the Market Ch$47.1 billion + 8.2% (4Q22/3Q22) + 27.9% (4Q22/4Q21) Financial Margin with Clients Change in the Financial Margin with Clients Breakdown Financial Margin with Clients comprises our spread-sensitive operations, working capital and others. Spread-sensitive operations are: (i) the assets margin, which is the difference between the amount received in loan operations and the cost of money char ged by treasury banking and (ii) the liabilities margin, which is the difference between the cost of funding and the amount received from treasury banking. Working capital margin is the interest on working capital at the TPM. 1 2 4 197,957 193,145 210,006 234,085 253,227 45,586 32,986 66,887 30,521 243,543 47,078 226,131 276,893 264,606 300,305 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Financial Margin with Clients Financial Margin with the Market Ch$ million 3 1 3 2 4 Assets financial margin Liabilities financial margin Assets financial margin (+Ch$4,996 million): improvement supported by the growth of the loans portfolio mainly associated with Retail business (consumer and mortgage), products that, depending on the business strategies applied, have registered improvements in their average spreads. Commercial spreads on derivatives and FX transactions with clients (-Ch$7,053 million): decrease due to extraordinary results observed in the previous quarter, from specific operations of Wholesale Banking clients that were not repeated in the last quarter of the year. Liabilities financial margin (+Ch$9,312 million): increase that is explained, mainly in an improvement in the profitability of this portfolio, as a result of the higher value of the average TPM observed in the quarter. Capital financial margin and others (+Ch$11,887 million): mainly due to a higher capital remuneration generated by the increase in the value of the TPM and the effect of the recognition of the results of the annual sale of the student portfolio materialized in 4Q22. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg026.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25 Itaú Management Discussion & Analysis Income Statement Analysis UF net exposure (Ch$ trillion) UF - Unidad de Fomento (variation value) Annualized average rate of financial margin with clients Financial Margin with the Market Financial Margin with the Market includes (i) treasury banking, which manages mismatches of assets and liabilities (ALM – Assets and Liability Management), tenors, currencies and interest rates and (ii) treasury trading, which manages proprietary portfol ios and may assume directional positions, in compliance with the limits established by our risk appetite. The Financial Margin with Market increased by 54.2% in 4Q22 compared to 3Q22, supported by greater gains in portfolio valuati on obtained by the trading desk that allowed to counteract the impacts of the lower inflation of the quarter on the results due to UF readjustments and the persistence in the increase in financing costs derived from the higher value of the TPM. 4Q22 3Q22 In Ch$ millions, end of period Average Balance Average Rate Financial Margin Average Balance Average Rate Financial Margin Financial Margin with Clients 28,215,173 3.6% 253,227 27,449,953 3.4% 234,085 Cost of Credit (86579) (78314) Risk-Adjusted Financial Margin with Clients 28,215,173 2.3% 166,648 27,449,953 2.2% 155,771 Financial Margin with Clients: + 18 bp • Higher return on liabilities and capital due to the higher value of the TPM; In addition, results from annual portfolio sales. 3.1% 3.1% 3.2% 3.4% 3.6% 2.0% 2.6% 2.3% 2.2% 2.3% 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 0.00 0.02 0.04 Financial margin with clients Risk-adjusted financial margin with clients 45,586 32,986 66,887 30,521 47,078 33,592 26,720 42,311 43,995 44,368 - 5,000 1 0, 00 1 5, 00 20,00 25,00 30,00 35,00 40,00 45,00 50,00 - 1 0, 00 20,00 30,00 40,00 50,00 60,00 70,00 80,00 90,00 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Financial Margin with the Market 1-year moving average Ch$ million 2.0 1.7 1.4 1.4 1.0 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 3.0% 2.4% 4.2% 3.5% 2.5% 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Risk-Adjusted Financial Margin with Clients: + 9 bp • Improvement in income from Financial Mar-gin offset growth of 10.6% in the Cost of Credit. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg027.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;26 Itaú Management Discussion & Analysis Income Statement Analysis Commissions and Fees • In the fourth quarter of the year, Commission and Fees totaled Ch$40.6 billion, 7.3% lower than the results of the previous quarter, due to a decrease in commercial activity associated with the generation of income from structuring services and lowe r credit card fees, results classified under the item 'Financial Advisory and Others', in addition to lower Insurance Brokerage commissions. • When compared to the fourth quarter of 2021, Commission and Fees increased by 19.7%, as a result of higher credit card fees driven by commercial campaigns conducted in the year, to which are added positive results of the integration of MCC to the Bank, materialized in June 2022 (results classified in 'Financial Advisory and Others'). Additionally, in this comparison the higher Insurance Brokerage commissions stand out, derived from the improvement observed in cross selling. Highlights In Ch$ million 4Q22 3Q22 change 4Q21 change 12M22 12M21 change Insurance Brokerage 10,581 11,433 (852) -7.4% 8,984 1,598 17.8% 41,735 34,789 6,946 20.0% Credit Operations and Guarantees Provided 8,613 8,666 (53) -0.6% 7,879 734 9.3% 33,020 29,621 3,399 11.5% Current Account Services and Overdraft Fees 8,489 8,223 266 3.2% 8,533 (44) -0.5% 33,714 31,476 2,238 7.1% Asset Management 3,213 3,292 (80) -2.4% 3,031 181 6.0% 13,113 12,592 521 4.1% Financial Advisory and Others 9,731 12,218 (2487) -20.4% 5,517 4,214 76.4% 40,930 30,469 10,461 34.3% Total Commissions and Fees 40,627 43,832 (3205) -7.3% 33,944 6,683 19.7% 162,513 138,948 23,565 17.0% Commissions and Fees Breakdown 4Q22 3Q22 26% 21% 8% 24% 21% Insurance Brokerage Credit Operations and Guarantees Provided Asset Management Financial Advisory and Others Current Account Services and Overdraft Fees 26% 20% 8% 28% 19% Insurance Brokerage Credit Operations and Guarantees Provided Asset Management Financial Advisory and Others Current Account Services and Overdraft Fees |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg028.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;27 Itaú Management Discussion & Analysis Income Statement Analysis Cost of Credit The ratio of net provisions for loan losses over loan portfolio in-creased by 10 percentage points compared to the previous quarter, due to the growth in the level of credit provisions, mentioned above. In the 12-month comparison, this ratio showed an increase of 14 percentage points. Allowance for Loan Losses and Loan Portfolio Cost of Credit and Loan Portfolio In the fourth quarter of 2022, the total allowance for loan losses, including additional provisions, showed a growth of 4.1% compared to the previous quarter, totaling Ch$706.8 billion, while our average loan portfolio grew by 3.2% compared to the previous quarter, reaching Ch$22.1 trillion. As a result, the ratio of total allowance for loan losses, including additional provisions, to the loan portfolio grew in the fourth quarter of 2022, from 3.18% to 3.20% compared to the previous period. In Ch$ million 4Q22 3Q22 change 4Q21 change 12M22 12M21 change Net Provision for Loan Losses (86404) (83375) (3029) 3.6% (79067) (7336) 9.3% (261094) (141492) (119602) 84.5% Provision for Loan Losses (99759) (95960) (3798) 4.0% (93812) (5947) 6.3% (311873) (191424) (120449) 62.9% Recovery of Loans Written Off as Losses 13,355 12,586 770 6.1% 14,745 (1389) -9.4% 50,779 49,933 847 1.7% Credit Value Adjustment (or "CVA"; ratings and collaterals effects) (175) 5,061 (5236) - 9,178 (9354) - 7,215 8,424 (1209) -14.4% Cost of Credit (86579) (78314) (8265) 10.6% (69889) (16690) 23.9% (253879) (133068) (120811) 90.8% (\*) Average Loan Portfolio The Cost of Credit for the fourth quarter of the year totaled Ch$86.6 billion, presenting an increase of 10.6% compared to the previous period, which is explained by a higher CVA expense of Ch$5.2 billion, since in the previous quarter some reversals of provisions were recognized for rating/guarantee adjustments referred to Wholesale Banking clients. Complementing the above, in the fourth quarter of the year there was a 4.0% increase in the expenditure of credit provisions due to rating changes applied to the commercial portfolio and deterioration in the delinquency of the consumer loans. When compared to the fourth quarter of 2021, the Cost of Credit showed a growth of 23.9%, a variation that considers the punctual effect of releases of CVA provisions registered in the last quarter of the previous year, as a result of movements observed in the deriva-tives portfolio in specific cases of Wholesale clients, to which is added the effect of the deterioration in consumer delinquency that has been registered in 2022, affected in part, by the end of the economic support measures COVID-19 Pandemic applied by the Chilean govern-ment. 638,892 655,971 511,402 519,439 537,200 523,109 502,854 531,769 554,416 78,211 78,211 86,211 105,711 112,379 127,379 147,379 152,379 743,492 734,182 589,613 605,650 642,911 635,488 630,233 679,148 706,795 3.99 4.00 3.18 3.22 3.29 3.24 3.10 3.18 3.20 - 0.1 0.1 0.2 0.2 0.3 0.3 0.4 0.4 0.5 0.5 0.6 0.6 0.7 0.7 0.8 0.8 0.9 0.9 1 .0 1 .0 1 .1 1 .1 1 .2 1 .2 1 .3 1 .3 1 .4 1 .4 1 .5 1 .5 1 .6 1 .6 1 .7 1 .7 1 .8 1 .8 1 .9 1 .9 2.0 2.0 2.1 2.1 2.2 2.2 2.3 2.3 2.4 2.4 2.5 2.5 2.6 2.6 2.7 2.7 2.8 2.8 2.9 2.9 3.0 3.0 3.1 3.1 3.2 3.2 3.3 3.3 3.4 3.4 3.5 3.5 3.6 3.6 3.7 3.7 3.8 3.8 3.9 3.9 4.0 4.0 4.1 4.1 4.2 4.2 4.3 4.3 - 600, 00 1 ,20,000 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Allowances for loan losses (Ch$ million) - Chile Additional provisions (Ch$ million) - Chile Total provisions Allowances for loan losses / Loan portfolio (%) 93,812 42,092 74,062 95,960 99,759 69,889 31,293 57,693 78,314 86,579 1.4 0.6 1.1 1.5 1.6 -2.0 -1 .6 -1 .2 -0. 8 -0. 4 0.0 0.4 0.8 1 .2 1 .6 2.0 2.4 - 10,000 1 0, 00 30,00 50,00 70,00 90,00 1 10,000 1 30,000 1 50,000 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Provision for loan losses (Ch$ million) Cost of credit (Ch$ million) Cost of credit / Loan portfolio\* - Annualized (%) |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg029.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;28 Itaú Management Discussion & Analysis Income Statement Analysis Credit Quality Delinquency Ratios Non-Performing Loans NPL Ratio (%) by Segments \| over 90 days In the fourth quarter of 2022, the total NPL ratio amounted to 1.90%, representing an increase of 1 basis points compared to the previous quarter. This growth in the ratio is due to the higher volume of NPL portfolio of consumer and mortgage observed in the quarter, a product that has maintained this trend of expansion, with more intensity in the second half of the year, delinquency that has been affected by the lower support measures applied by the Chilean government during this year and the prevailing macroeconomic conditions. The NPL ratio over 90 days for commercial loans decreased by 12bp in the quarter compared to the previous period (excluding students loans); while the ratio associated with the consumer portfolio increased from 1.75% to 1.99% in the fourth quarter of 2022 and the mortgage ratio grew 5bp, closing at 0.87%. Compared to the previous quarter, the portfolio of loans with non-performing loans over 90 days increased Ch$5.9 billion or 1.4%, as a result of the growth in delinquency of the Retail portfolio, since the NPL portfolio of consumer and mortgage totaled a growth of 15.1% in the quarter. When compared to the same quarter of the previous year, this portfolio showed an increase of 38.1%, as a result of the increase in the level of the NPL portfolio of consumer and mortgage (the latter also impacted by the rise in the CPI); as well as a punctual decrease in the NPL portfolio of commercial loans observed in 4Q21, originated in specific cases of Wholesale Banking clients. 2.20% 2.79% 2.99% 2.67% 1.94% 1.90% 2.31% 2.38% 2.36% 1.69% 2.40% 2.63% 2.43% 1.61% 1.58% 2.06% 2.13% 2.01% 1.12% 1.07% 0.99% 0.87% 0.87% 0.85% 0.82% 0.81% 0.87% 1.66% 1.75% 1.62% 1.14% 1.03% 1.44% 1.65% 1.75% 1.99% 1.87% 2.25% 2.33% 2.04% 1.56% 1.56% 1.83% 1.89% 1.90% 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Commercial Comm. ex-Students loans Mortgage Consumer Total Coverage Ratio1 (%) \| 90 days NPL Ratio (%) \| over 90 days (1) Coverage Ratio includes additional provisions. 218 177 136 156 206 203 161 160 164 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Chile As of December 31, 2022, the 90-day coverage ratio reached 164%, growing by 4 percentage points compared to the previous quarter, since, although there has been an increase in the NPL portfolio, marked by the consumer trend, the levels of credit provisions have also been adjusted in order to maintain sufficient coverage and quality of the portfolio. When compared to 4Q21, there is a decrease of 42 percentage points, although in that quarter there was a punctual decrease in the NPL portfolio. 1.87 2.25 2.33 2.04 1.56 1.56 1.83 1.89 1.90 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Chile The NPL ratio of credits 90-day overdue showed a growth of 1 basis point compared to the previous quarter, as a result of the higher volume of NPL portfolio observed in this quarter. Compared to 4Q21, an increase of 34 basis points was observed in the ratio, as a result of the growth in the NPL portfolio observed in the year (38.1%, mentioned above), partially offset by the 13.4% growth in loans between the 12 months compared. 341,037 415,576 432,944 388,703 311,493 312,773 392,051 424,162 430,088 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Non-per forming Loans over 90 days - Chile Ch$ million |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg030.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;29 Itaú Management Discussion & Analysis Income Statement Analysis \* Loan portfolio average balance of the two previous quarters. In the fourth quarter of 2022, loan portfolio write-offs totaled Ch$46.5 billion, which represents an increase of 14.4% compared to the previ-ous quarter, as a result to increase in write-offs associated with com-mercial credits observed in the last quarter of the year. When compared to 3Q22, the ratio of written-off operations to loan portfolio average balance increased by 8 basis points, reaching 0.82% and decreased by 9 basis points compared to the same period of the previous year. Loan Portfolio Write-Off 47.7 36.3 45.0 38.1 44.8 29.6 64.6 40.7 46.5 1.02 0.79 0.97 0.81 0.92 0.59 1.24 0.74 0.82 0.00 0.1 0 0.20 0.30 0.40 0.50 0.60 0.70 0.80 0.90 1 .00 1 .10 1 .20 1 .30 1 .40 1 .50 0 5 1 0 1 5 2 0 2 5 3 0 3 5 40 45 50 55 60 65 7 0 7 5 80 85 90 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Write-off (Ch$ billion) - Chile Write-off / Loan Portfolio\* - Annualized (%) Recovery of Loans Written-off as Losses As of December 31, 2022, income from recoveries of written-off loans totaled Ch$13.4 billion, 6.1% higher than the level of income in the previous quarter, due to one-off recoveries recorded in the last quar-ter of the year (referring to commercial credits). When compared to the fourth quarter of 2021, income from recoveries of written-off loans registered a decrease of 9.4%, since in 4Q21 there were higher results in recoveries of goods received in payment. Ch$ million 14,745 11,054 13,784 12,586 13,355 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Recovery of Loan Written-off as Losses (Ch$ million) - Chile Ch$ million |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg031.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;30 Itaú Personnel expenses Administrative Expenses Administrative expenses amounted to Ch$68.6 billion in the fourth quarter of 2022, representing a growth of 15.2% compared to the previous period, as a result of higher consulting and advisory expens-es recorded in the fourth quarter of the year, as well as higher mar-keting expenses originated in the commercial and relational cam-paigns carried out in the quarter. When compared to the fourth quarter of 2021, Administrative Ex-penses increased by 21.3%, due to higher technology expenses and related to consultancies/advisories associated with the development of the Bank's digital transformation strategy. Depreciation, Amortization and Impairment Depreciation, Amortization and Impairment expenses totaled Ch$11.7 billion in the fourth quarter of 2022, representing an increase of 19.0% compared to 3Q22, due to the growth in the base of assets subject to amortization derived from the completion of some projects. When compared to the same period in 2021, these expenses presented an increase of 5.9%, due to the increase in the base of assets subject to amortization. Non-interest Expenses • In the fourth quarter of 2022, Non-interest Expenses totaled Ch$155.1 billion, showing an increase of 19.0% compared to the previous period, driven by higher Personnel and Administration Expenses. • When compared to the fourth quarter of 2021, Administrative Expenses increased by 20.7% due to the impact of the higher inflation and devaluation of the Chilean peso observed in 2022, the growth in the level of endowment contracted to date, increase in technology expenses, among others. Highlights In the fourth quarter of 2022, Personnel Expenses increased by 22.7%, compared to the previous quarter and 22.9% compared to the same period of 2021, due to the increase in remuneration derived from the effects of the higher inflation observed in 2022, the performance of special activities at the end of the year, the growth in the headcount level contracted to date (compared to 4Q21) and higher bond provi-sions. Headcount 5,163 Headcount in Chile and New York at the end of the 4Q22 - 2.5% (4Q22/3Q22) + 0.7% (4Q22/4Q21) The total number of employees including the Itaú New York branch was 5,163 at the end of the fourth quarter of 2022 compared to 5,298 in the previous quarter and 5,125 at the end of the fourth quarter of 2021, an increase of 0.7% in headcount in a twelve-month period. Management Discussion & Analysis In Ch$ million 4Q22 3Q22 change 4Q21 change 12M22 12M21 change Personnel Expenses (74829) (60969) (13860) 22.7% (60879) (13949) 22.9% (246397) (214975) (31422) 14.6% Administrative Expenses (68621) (59560) (9060) 15.2% (56577) (12044) 21.3% (235876) (215550) (20327) 9.4% Personnel and Administrative Expenses (143449) (120529) (22920) 19.0% (117456) (25993) 22.1% (482274) (430525) (51749) 12.0% Depreciation, Amortization and Impairment (11658) (9795) (1863) 19.0% (11004) (654) 5.9% (39883) (38251) (1632) 4.3% Total Non-interest Expenses (155107) (130324) (24783) 19.0% (128460) (26647) 20.7% (522156) (468776) (53381) 11.4% 5,266 5,249 5,187 5,160 5,125 5,177 5,210 5,298 5,163 -1.2% -0.3% -1.2% -0.5% -0.7% 1.0% 0.6% 1.7% -2.5% -1 0.0% -8.0% -6.0% -4.0% -2.0% 0.0% 2.0% 4.0% 4,50 4,70 4,90 5,100 5,30 5,50 5,70 5,90 6,100 6,30 6,50 6,70 6,90 7,100 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Chile Δ% QoQ Income Statement Analysis |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg032.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;31 Itaú Management Discussion & Analysis Efficiency Ratio We present the evolution of the efficiency ratio: 46.3% 43.4% 38.5% 42.3% 45.5% 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Efficiency ratio Income Statement Analysis Efficiency Ratio In the fourth quarter of 2022, our Efficiency Ratio totaled 45.5%, 3.2 percentage points higher compared to the previous quarter, as a result of the 19.0% increase in the level of Non-interest Expenses (increase in Personnel and Administration) which was partially offset by the 10.5% improvement in the Operating Revenues (improvement in Financial Margin with clients and Market). When compared to the fourth quarter of 2021, the Efficiency Ratio decreased by 79.9 basis points, mainly due to higher Operating Revenues. Distribution Network Points of Service in Chile Our distribution network provides integrated financial services and products to our customers through diverse channels, inclu ding ATMs, branch offices (physical and digital), mobile banking, internet banking and telephone banking. Branches \| Chile and New York 185 187 185 182 182 180 165 165 167 4 4 4 4 6 6 9 12 12 1.1% 1.1% -1.0% -1.6% 1.1% -1.1% -6.5% 1.7% 1.1% -20% -1 5% -1 0% -5% 0% 5% - 50 1 0 1 50 200 250 300 350 400 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Physical Digital Δ% Branches Chile QoQ As of December 31, 2022, we have 179 branches, growing by 1.1% compared to the previous quarter (from the management point of view, 2 closed Condell branches were incorporated into the Itaú network). On the other hand, the total number of branches totals a decrease of 4.8% (9 fewer branches) compared to the level ob-served as of December 31, 2021, which is due to the digital trans-formation strategy developed by the Bank. Automated Teller Machines (ATMs) \| Chile At the end of the fourth quarter of 2022, the number of ATMs totaled 359 in Chile, 0.3% higher than the level observed in the previous quarter, totaling, in turn, a decrease of 10.7% in the comparison in twelve months. Additionally, it is worth mention-ing that, through our agreement with Redbanc, our clients have access to more than 7,000 ATMs in Chile. 398 397 393 397 398 366 352 354 355 10 9 9 4 4 4 4 4 4 0.5% -0.5% -1.0% -0.2% 0.2% -8.0% -3.8% 0.6% 0.3% -20% -1 5% -1 0% -5% 0% 5% - 50 1 0 1 50 200 250 300 350 400 450 500 550 600 650 700 750 800 850 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Itaú Banco Condell Δ% ATMs Chile QoQ Non-interest Expenses (Personnel + Administrative + Depreciation & Amortization + Impairment) Managerial Financial Margin + Commission and Fees = Efficiency Ratio |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg033.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;32 Itaú Credit Portfolio • The consolidated credit portfolio in Chile reached Ch$22.7 trillion at the end of the fourth quarter of 2022, presenting a slight increase compared to the previous quarter by 0.7% and a nominal expansion of 13.4% compared to the same quarter of 2021. Highlights Management Discussion & Analysis In the following table, the loan portfolio is split into two groups: wholesale lending and retail lending. For a better under standing of the performance of these portfolios, the main product groups of each segment are presented below: Credit Portfolio by Products In Ch$ million, end of period 4Q22 3Q22 change 4Q21 change Wholesale lending - Chile 13,915,004 14,096,450 -1.3% 12,609,485 10.4% Commercial loans 11,254,349 11,338,783 -0.7% 10,654,419 5.6% Foreign trade loans 1,692,507 1,848,640 -8.4% 1,170,092 44.6% Leasing and factoring 968,149 909,027 6.5% 784,974 23.3% Retail lending - Chile 8,736,776 8,391,459 4.1% 7,370,895 18.5% Residential Mortgage loans 6,393,144 6,214,491 2.9% 5,512,449 16.0% Consumer loans 2,343,632 2,176,968 7.7% 1,858,446 26.1% Consumer installment loans 1,606,738 1,526,822 5.2% 1,318,493 21.9% Current account overdrafts 142,487 132,816 7.3% 107,933 32.0% Credit card debtors 593,816 516,804 14.9% 431,535 37.6% Other loans and receivables 592 526.015224 12.5% 485 22.0% TOTAL LOANS1 22,651,780 22,487,909 0.7% 19,980,380 13.4% Between the third and fourth quarters of 2022, the total loan portfolio grew 0.7%, in nominal terms, totaling an expansion of 13.4% in the last twelve months. Excluding exchange rate effects and inflation that impact the composition of the loan portfolio, the growth translates into 1.7% and 6.2%, respectively. The Wholesale portfolio decreased by 1.3% in this quarter compared to 3Q22, while it grew 10.4% compared to 4Q21. Adjusting for exchange rate variations, the Wholesale portfolio grew 1.4% compared to the previous quarter, highlighting the better performance recorded by the commer-cial and foreign trade loan portfolios, growing 1.4% and 2.6%, respectively compared to the previous quarter and 0.9% and 43% compared to the same quarter of the previous year. The Retail portfolio grew 4.1% in this quarter compared to 3Q22 and 18.5% compared to 4Q21, variations that translate into real growth of 1.2% and 9.8%, respectively. Regarding the composition of this portfolio, the improvement in consumer loans stands out, totaling 26.1% in the com-parison in twelve months, considering that, during the previous year, the financial industry observed a significant contraction in activity, influ-enced by the greater liquidity of the Chilean market generated from the COVID 19 economic support measures implemented by the govern-ment. Income Statement Analysis (1) Total loans does not include balance owed by banks. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg034.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;33 Itaú Management Discussion & Analysis Managerial Results \| Breakdown for Colombia Net Income analysis for Colombia presented below is based on the Managerial Income Statement with the adjustments shown on pa ges 21 and 22: 4Q22 3Q22 % 4Q21 % In Ch$ million Nominal Currency Exchange Rate Effect1 Constant Currency Nominal Currency Exchange Rate Effect1 Constant Currency Change in Constant Currency Nominal Currency Exchange Rate Effect1 Constant Currency Change in Constant Currency Operating Revenues 57,154 (2854) 54,300 65,834 (9953) 55,881 -2.8% 61,976 (10279) 51,697 5.0% Managerial Financial Margin 50,270 (2547) 47,722 58,344 (8808) 49,536 -3.7% 54,810 (9084) 45,726 4.4% Financial Margin with Clients 73,463 (3406) 70,057 71,719 (10912) 60,807 15.2% 51,285 (8511) 42,774 63.8% Financial Margin with the Market (23193) 859 (22335) (13376) 2,105 (11271) 98.2% 3,525 (573) 2,952 -856.7% Commissions and Fees 6,884 (307) 6,577 7,490 (1145) 6,345 3.7% 7,166 (1194) 5,972 10.1% Cost of Credit (19638) 1,040 (18598) (12574) 1,932 (10642) 74.8% (15210) 2,575 (12635) 47.2% Provision for Loan Losses (24145) 1,251 (22894) (18071) 2,767 (15304) 49.6% (19481) 3,275 (16206) 41.3% Recovery of Loans Written Off as Losses 4,507 (211) 4,296 5,497 (836) 4,662 -7.8% 4,271 (700) 3,571 20.3% Non-interest Expenses (46287) 1,994 (44293) (48485) 7,343 (41143) 7.7% (46657) 7,718 (38940) 13.7% Personnel Expenses (20592) 767 (19825) (19956) 3,004 (16952) 16.9% (18543) 3,051 (15492) 28.0% Administrative Expenses (22963) 1,088 (21875) (25663) 3,901 (21762) 0.5% (23949) 3,961 (19988) 9.4% Depreciation, Amortization and Impairment (2732) 139 (2593) (2866) 437 (2429) 6.8% (4165) 705 (3460) -25.1% Income before Tax and Minority Interests (8771) 180 (8591) 4,774 (678) 4,096 -309.8% 108 14 122 -7114.4% Income Tax Expense 6,916 (144) 6,772 (1535) 221 (1314) -615.3% (545) 70 (475) -1524.9% Minority Interests in Subsidiaries (16) (1) (17) (159) 22 (136) -87.9% 73 (13) 59 -127.8% Costs of hedge positions (18368) 1,280 (17088) 72 (70) 2 - 811002.6% (1696) 228 (1468) 1063.7% Recurring Net Income (20239) 1,316 (18923) 3,152 (505) 2,647 -814.8% (2061) 299 (1762) 974.1% (1) Refers to the elimination of the impact of foreign exchange rate variation, by converting all figures from each of the period s analyzed at a single foreign exchange rate: Ch$0.1761 per COP as of December 31, 2022. 12M22 12M21 % In Ch$ million Nominal Currency Exchange Rate Effect1 Constant Currency Nominal Currency Exchange Rate Effect1 Constant Currency Change in Constant Currency Operating Revenues 254,554 (35354) 219,200 259,343 (32903) 226,440 -3.2% Managerial Financial Margin 223,462 (31026) 192,436 228,059 (28827) 199,233 -3.4% Financial Margin with Clients 266,781 (35098) 231,684 194,566 (25205) 169,361 36.8% Financial Margin with the Market (43320) 4,072 (39248) 33,493 (3622) 29,871 - Commissions and Fees 31,093 (4328) 26,764 31,284 (4077) 27,207 -1.6% Cost of Credit (60777) 7,924 (52854) (70747) 9,220 (61527) -14.1% Provision for Loan Losses (79747) 10,468 (69279) (88987) 11,564 (77423) -10.5% Recovery of Loans Written Off as Losses 18,970 (2544) 16,426 18,240 (2344) 15,896 3.3% Non-interest Expenses (182564) 24,306 (158258) (176579) 23,034 (153545) 3.1% Personnel Expenses (82842) 10,903 (71939) (82434) 10,574 (71860) 0.1% Administrative Expenses (88421) 11,862 (76559) (81061) 10,715 (70346) 8.8% Depreciation, Amortization and Impairment (11301) 1,542 (9759) (13084) 1,745 (11339) -13.9% Income before Tax and Minority Interests 11,213 (3125) 8,089 12,017 (650) 11,367 -28.8% Income Tax Expense (419) 1,062 643 5,127 (1338) 3,789 -83.0% Minority Interests in Subsidiaries (408) 57 (351) (1689) 195 (1493) -76.5% Costs of hedge positions (34769) 4,214 (30555) (3532) 484 (3048) 902.6% Recurring Net Income (24383) 2,209 (22174) 11,923 (1308) 10,615 - Income Statement Analysis |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg035.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;34 Itaú Management Discussion & Analysis Income Statement Analysis Managerial Financial Margin Loan portfolio mix (+Ch$195 million): improvement due to a greater relative presence of the retail portfolio in the composition of the total loans portfolio in 4Q22 compared to 3Q22, operations that registered higher profitability compared to commercial loans. • In the fourth quarter of 2022, the Financial Margin with Clients increased by 15.2% compared to the previous quarter, mainly due to higher margin of liabilities and capital driven by the increase in the value of the average TPM (Colombia's monetary polic y rate), the rate at which the remuneration of these portfolios is indexed. • The Financial Margin with Market decreased by 98.2% compared to the third quarter of 2022, as a result of the higher costs of Asset and Liabilities Management (ALM) that derive from the upward trend in interest rates that has been maintained in 4Q22. Highlights Managerial Financial Margin Financial Margin with Clients Ch$70.1 billion - 98.2% (4Q22/3Q22) - 856.7% (4Q22/4Q21) Financial Margin with the Market Ch$-22.3 billion + 15.2% (4Q22/3Q22) + 63.8% (4Q22/4Q21) Financial Margin with Clients Change in the Financial Margin with Clients Breakdown Financial Margin with Clients comprises our spread-sensitive operations, working capital and others. Spread-sensitive operations are: (i) the assets margin, that is the difference between the amount received in loan operations and the cost of money charg ed by treasury banking and (ii) the liabilities margin, which is the difference between the cost of funding and the amount received from treasury banking. Working capital margin is the interest on working capital at the TPM interest rate. Average asset portfolio, assets spreads and liabilities margin (+Ch$7,538 million): mainly due to an improvement in the average profitability of the liabilities portfolio as a result of the increase in the value of the average TPM (from 10% at the end of 3Q22 to 12% in 4Q22), in addition to higher portfolio spreads observed in the quarter. Commercial spreads on derivatives and FX transactions with clients (-Ch$753 million): due to a decrease in derivatives activity and FX transactions with clients in the fourth quarter of 2022 (mainly Wholesale Banking). 1 2 4 Ch$ million 3 42,774 47,471 53,348 60,807 70,057 2,952 -3,254 -2,388 -11,271 -22,335 45,726 44,217 50,960 49,536 47,722 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Financial Margin with Clients Financial Margin with the Market Note: Figures are expressed in constant currency, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.1761 per COP as of December 31, 2022. 1 Working capital and others (+Ch$2,269 million): explained, mainly, by the higher capital margin derived from the increase in interest rates observed in the quarter (income indexed to the value of the TPM). 2 3 4 Note: Figures are expressed in constant currency, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.1761 per COP as of December 31, 2022. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg036.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;35 Itaú Management Discussion & Analysis Income Statement Analysis Risk-Adjusted Financial Margin with Clients: +14 bp • The 15.3% increase in the Financial Margin with Cients offsets the 74.8% increase in the Cost of Credit. Annualized average rate of financial margin with clients Financial margin with the market includes (i) treasury banking, which manages mismatches of assets and liabilities (ALM – Assets and Liability Management), tenors and interest, foreign exchange and other rates and (ii) treasury trading, which manages pro prie-tary portfolios and may assume directional positions, in compliance with the limits established by our risk appetite. Financial Margin with the Market closed the quarter with a loss of Ch$22.3 billion, which represents a deterioration of 98.2% com-pared to the previous quarter, since as in Chile, the scenario of increase in interest rates has resulted in higher costs abs orbed by treasury banking in the management of mismatches of assets and liabilities. 4Q22 3Q22 In Ch$ millions, end of period Average Balance Average Rate Financial Margin Average Balance Average Rate Financial Margin Financial Margin with Clients 4,782,135 70,057 5.9% 4,817,292 60,807 5.1% Cost of Credit (18598) (10642) Risk-Adjusted Financial Margin with Clients 4,782,135 51,459 4.3% 4,817,292 50,165 4.2% Ch$ million Financial Margin with Clients: +84 bp • Driven by this quarter's higher liability and capital margin. 2,952 -3,254 -2,388 -11,271 -22,335 7,468 2,105 -267 -3,490 -9,812 - 10,000 - 5, 00 - 5,000 1 0, 00 1 5, 00 - 27,000 - 2,000 - 17,000 - 12,000 - 7, 00 - 2, 00 3,000 8,000 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Financial Margin with the Market 1-year moving average Financial Margin with the Market 3.3% 3.8% 4.4% 5.1% 5.9% 2.3% 3.0% 3.2% 4.2% 4.3% 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 0.00 0.02 0.04 0.06 0.08 Financial margin with clients Risk-adjusted financial margin with clients Note: Figures are expressed in constant currency, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.1761 per COP as of December 31, 2022. Note: Figures are expressed in constant currency, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.1761 per COP as of December 31, 2022. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg037.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;36 Itaú Management Discussion & Analysis Income Statement Analysis Commissions and Fees • In the fourth quarter of 2022, Commissions and Fees totaled Ch$6.6 billion, presenting an improvement of 3.7% compared to the previous quarter and 10.1% compared to the same period of 2021, as a result of an increase in Cash Management activity and generation of income from structuring services (Financial Advisory and Others) as a result of the materialization of some specific businesses by Wholesale clients, which made it possible to offset the decline in results from Credit Operations and Guarantees Provided. Highlights In Ch$ million 4Q22 3Q22 change 4Q21 change 12M22 12M21 change Insurance Brokerage 1,694 1,692 2 0.1% 1,664 30 1.8% 6,734 6,322 412 6.5% Credit Operations and Guarantees Provided 1,068 1,234 (166) -13.5% 945 122 12.9% 4,280 2,986 1,294 43.3% Asset Management 1,869 1,721 147 8.6% 1,796 73 4.1% 7,112 7,826 (714) -9.1% Financial Advisory and Others 838 752 86 11.4% 322 516 160.2% 4,806 5,190 (384) -7.4% Cash Management 1,109 946 163 17.3% 1,244 (135) -10.9% 3,833 4,883 (1050) -21.5% Total Commissions and Fees 6,577 6,345 233 3.7% 5,972 606 10.1% 26,764 27,207 (443) -1.6% Commissions and Fees Breakdown 4Q22 3Q22 26% 16% 28% 13% 17% Insurance Brokerage Credit Operations and Guarantees Provided Asset Management Financial Advisory and Others Cash Management 27% 19% 27% 12% 15% Insurance Brokerage Credit Operations and Guarantees Provided Asset Management Financial Advisory and Others Cash Management Note: Commissions and Fees for Colombia are expressed in constant currency in order to eliminate the impact of foreign exchange rat e variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.176 1 per COP as of December 31, 2022. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg038.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;37 Itaú Management Discussion & Analysis Income Statement Analysis Cost of Credit At the end of the fourth quarter of 2022, our provision for loan losses totaled Ch$22.9 billion, representing a growth of 49.6% compared to the last quarter. The Cost of Credit on the loan portfolio increased by 0.74 percent-age points in the fourth quarter of 2022 compared to the previous period and grew by 0.51 percentage points compared to the fourth quarter of 2021. Allowance for Loan Losses and Loan Portfolio Cost of Credit and Loan Portfolio As of December 31, 2022, the total allowance for loan losses, includ-ing additional provisions, decreased by 10.85% compared to the previous quarter totaling Ch$192.1 billion, while our average loan portfolio decreased by 2.1% compared to the previous period, reaching Ch$3.98 billion. As a result, the ratio of total allowance for loan losses, including additional provisions, decreased in the fourth quarter of 2022 from 5.56% to 4.97% compared to the previous quarter. (\*) Average Loan Portfolio 224,519 222,137 224,162 225,642 218,532 201,077 192,500 192,411 169,021 23,122 23,123 23,126 23,129 23,128 23,122 252,697 246,789 247,285 248,765 241,654 224,203 215,629 215,538 192,143 6.64 6.56 6.43 6.35 6.03 5.87 5.65 5.56 4.97 - 0.05 0.1 0 0.1 5 0.20 0.25 0.30 0.35 0.40 0.45 0.50 0.55 0.60 0.65 0.70 0.75 0.80 0.85 0.90 0.95 1 .00 1 .05 1 .1 0 1 .1 5 1 .20 1 .25 1 .30 1 .35 1 .40 1 .45 1 .50 1 .55 1 .60 1 .65 1 .70 1 .75 1 .80 1 .85 1 .90 1 .95 2.00 2.05 2.1 0 2.1 5 2.20 2.25 2.30 2.35 2.40 2.45 2.50 2.55 2.60 2.65 2.70 2.75 2.80 2.85 2.90 2.95 3.00 3.05 3.1 0 3.1 5 3.20 3.25 3.30 3.35 3.40 3.45 3.50 3.55 3.60 3.65 3.70 3.75 3.80 3.85 3.90 3.95 4.00 4.05 4.1 0 4.1 5 4.20 4.25 4.30 4.35 4.40 4.45 4.50 4.55 4.60 4.65 4.70 4.75 4.80 4.85 4.90 4.95 5.00 5.05 5.1 0 5.1 5 5.20 5.25 5.30 5.35 5.40 5.45 5.50 5.55 5.60 5.65 5.70 5.75 5.80 5.85 5.90 5.95 6.00 6.05 6.1 0 6.1 5 6.20 6.25 6.30 6.35 6.40 6.45 6.50 6.55 6.60 6.65 6.70 6.75 6.80 6.85 6.90 6.95 7.00 - 600, 00 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Allowances for loan losses (Ch$ million) - Colombia Additional provisions (Ch$ million) - Colombia Total provisions Allowances for loan losses / Loan portfolio (%) 16,206 14,001 17,081 15,304 22,894 12,635 10,024 13,589 10,642 18,598 1.5 1.2 1.8 1.3 2.0 -0. 5 -0. 1 0.3 0.7 1 .1 1 .5 1 .9 2.3 - 5,000 1 0, 00 1 5, 00 20,00 25,00 30,00 35,00 40,00 45,00 50,00 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Provision for loan losses (Ch$ million) Cost of credit (Ch$ million) Cost of credit / Loan portfolio\* - Annualized (%) In Ch$ million 4Q22 3Q22 change 4Q21 change 12M22 12M21 change Provision for Loan Losses (22894) (15304) (7590) 49.6% (16206) (6688) 41.3% (69279) (77423) 8,144 -10.5% Recovery of Loans Written Off as Losses 4,296 4,662 (366) -7.8% 3,571 725 20.3% 16,426 15,896 530 3.3% Cost of Credit (18598) (10642) (7956) 74.8% (12635) (5963) 47.2% (52854) (61527) 8,674 -14.1% Note: Cost of credit for Colombia is expressed in constant currency in order to eliminate the impact of foreign exchange rate varia tion, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.1761 per COP as of December 31, 2022. In the fourth quarter of 2022, the Cost of Credit amounted to Ch$18.6 billion, which represents a growth of 74.8% compared to the previous quarter and 47.2% compared to the same period of 2021, a variation that is due to the recognition of greater write-offs in commercial loans in 4Q22, referring to specific cases of Wholesale Banking clients, in addition to the negative impact of the increase in delinquency of the consumer portfolio, which maintains the upward trend it has presented since the second quarter of 2022. Note: Provision for loan losses and cost of credit for Colombia are expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.1761 per COP as of December 31, 2022. Note: Allowance for loan losses for Colombia is expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.1761 per COP as of December 31, 2022. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg039.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;38 Itaú Management Discussion & Analysis Income Statement Analysis Credit Quality Delinquency Ratios Non-Performing Loans NPL Ratio (%) by Segments \| over 90 days As of December 31, 2022, the total NPL ratio over 90 days showed a reduction of 55 basis points compared to the previous quarter, given the 27.9% decrease in the NPL portfolio, slightly offset by the decrease in the loans portfolio (see page 42). In a 12-month comparison, the total NPL ratio over 90 days de-creased from 3.21% to 2.40%, driven mainly by a reduction in the NPL portfolio of commercial loans and a loans portfolio remaining virtually unchanged. The portfolio of credits 90 days overdue decreased by 20.4% in the fourth quarter of 2022 compared to the previous one, due to a decrease of 27.9% in the level of commercial NPL portfolio, while the consumer and mortgage portfolios remained practically unchanged compared to 3Q22. It is worth mentioning that the decrease in the commercial NPL portfolio is explained by the execution of specific written-off referred to Wholesale Banking clients in the last quarter of the year. When compared to the fourth quarter of 2021, the portfolio of credits 90 days overdue decreased 25.7%, a variation that considers a decrease of 37.4% in the commercial NPL portfolio and a growth of 16.6% in consumer. 138,016 136,619 148,953 139,430 128,399 116,223 114,059 119,825 95,413 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Non-performing Loans over 90 days - Colombia 4.08% 4.21% 4.62% 4.14% 3.79% 3.39% 3.00% 3.22% 2.40% 3.98% 3.27% 3.09% 2.94% 2.61% 2.38% 2.81% 2.78% 2.62% 2.13% 1.53% 1.78% 1.86% 1.84% 1.86% 2.12% 2.18% 2.23% 3.71% 3.58% 3.85% 3.51% 3.21% 2.92% 2.80% 2.95% 2.40% 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Commercial Mortgage Consumer Total Coverage Ratio1 (%) \| 90 days As of December 31, 2022, the 90-day coverage ratio totaled 177%, showing an increase of 16.6 and 6.9 percentage points compared to the previous quarter and the same period of 2021. NPL Ratio (%) \| over 90 days 163 163 150 162 170 173 169 161 177 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Colombia 3.71 3.58 3.85 3.51 3.21 2.92 2.80 2.95 2.40 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Colombia The NPL ratio of credits 90 days overdue decreased 55 basis points in the fourth quarter of 2022 compared to the previous period, reaching 2.40% at the end of December 31, 2022. When compared to the same period in 2021, this ratio decreased 81 basis points. Note: NPLs for Colombia are expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.1761 per COP as of December 31, 2022. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg040.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;39 Itaú Management Discussion & Analysis Income Statement Analysis \* Loan portfolio average balance of the two previous quarters. In the fourth quarter of 2022, the loan portfolio write-off loans to-taled Ch$28.0 billion, presenting a growth of 80.6% compared to the previous quarter, as a result to higher write-offs in commercial loans recognized in this quarter, mentioned above. The ratio of written-off operations to loan portfolio average balance reached 2.72%, increasing by 1.22 percentage points compared to the previous quarter and 1.21 percentage points in a 12-month com-parison. Loan Portfolio Write-Off 13.8 15.1 20.8 23.3 15.1 27.3 29.1 15.5 28.0 1.48 1.57 2.15 2.40 1.51 2.72 2.92 1.50 2.72 0.00 0.1 0 0.20 0.30 0.40 0.50 0.60 0.70 0.80 0.90 1 .00 1 .10 1 .20 1 .30 1 .40 1 .50 1 .60 1 .70 1 .80 1 .90 2.00 2.10 2.20 2.30 2.40 2.50 2.60 2.70 2.80 2.90 3.00 3.10 3.20 0 5 1 0 1 5 20 2 5 3 0 3 5 40 45 50 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Write-off (Ch$ billion) - Colombia Write-off / Loan Portfolio\* - Annualized (%) Recovery of Loans Written-off as Losses In this quarter, income from recovery of loans written-off as losses totaled Ch$4.3 billion, 7.8% lower compared to the third quarter of 2022, as a result of lower activity in the materialization of sales of assets received in lieu of payment, in addition to lower recoveries of commercial credits recorded in 4Q22. When compared to the same quarter of 2021, the income from re-covery of loans written-off as losses showed a growth of Ch$725 million or 20.3%. Ch$ million 3,571 3,977 3,491 4,662 4,296 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Recovery of Loan Written-off as Losses (Ch$ million) - Colombia Note: Write-off for Colombia is expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.1761 per COP as of December 31, 2022. Note: Recovery of loans written-off as losses for Colombia is expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.1761 per COP as of December 31, 2022. Ch$ million |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg041.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;40 Itaú Personnel expenses Administrative Expenses Administrative Expenses amounted to Ch$21.9 billion in the fourth quarter of 2022, with no significant variations compared to the previ-ous quarter Compared to the fourth quarter of 2021, Administrative Expenses registered a growth of 9.4%, derived from higher technology and consulting/fee expenses that are part of the Bank's digital transfor-mation process. Depreciation, Amortization and Impairment Depreciation, Amortization and Impairment expenses totaled Ch$2.6 billion in the fourth quarter of 2022, showing an expansion of 6.8% compared to the previous quarter, as a result of the growth in the base of assets subject to amortization in the quarter under analysis. When compared to the fourth quarter of 2021, Depreciation, Amortization and Impairment expenses decreased by 25.1%, mainly due to the optimization of the footprint and the development of efficiency initiatives that have impacted the base of assets subject to amortization. Non-interest Expenses • In the fourth quarter of 2022, Non-interest Expenses amounted to Ch$44.3 billion, presenting a growth of 7.7% compared to the previous period and an expansion of 13.7% when compared to the same date in 2021. Highlights Personnel Expenses totaled Ch$19.8 billion in the fourth quarter of 2022, showing a growth of 16.9% compared to the previous quarter and an increase of 28.0% compared to the same period of 2021, as a result of higher compensation expenses recognized in the last months of the year, a variation that was partially offset by the effects of the decrease in the level of employees hired. Headcount The total number of employees including Itaú Panama was 2,395 at the end of the fourth quarter of 2022, compared to 2,442 in the third quarter of 2022 and 2,691 at the end of the fourth quarter of 2021, a 11.0% reduction in headcount for the 12-month period ended in December 31, 2022. 2,395 Headcount in Colombia and Panamá at the end of the 4Q22 - 1.9% (4Q22/3Q22) - 11.0% (4Q22/4Q21) Management Discussion & Analysis 3,098 3,067 3,013 2,931 2,691 2,639 2,459 2,442 2,395 -0.5% -1.0% -1.8% -2.7% -8.2% -1.9% -6.8% -0.7% -1.9% -1 5.0% -1 3.0% -1 1 .0% -9.0% -7.0% -5.0% -3.0% -1 .0% 1 .0% 1 ,500 1 ,700 1 ,900 2,100 2,30 2,50 2,70 2,90 3,100 3,30 3,50 3,70 3,90 4,1 0 4,30 4,50 4,70 4,90 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Colombia Δ% QoQ Income Statement Analysis Note: Managerial results for Colombia are expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate: Ch$0.1761 per COP as of December 31, 2022. In Ch$ million 4Q22 3Q22 change 4Q21 change 12M22 12M21 change Personnel Expenses (19825) (16952) (2873) 16.9% (15492) (4333) 28.0% (71939) (71860) (79) 0.1% Administrative Expenses (21875) (21762) (113) 0.5% (19988) (1887) 9.4% (76559) (70346) (6213) 8.8% Personnel and Administrative Expenses (41700) (38714) (2986) 7.7% (35480) (6220) 17.5% (148499) (142206) (6292) 4.4% Depreciation, Amortization and Impairment (2593) (2429) (164) 6.8% (3460) 867 -25.1% (9759) (11339) 1,580 -13.9% Total Non-interest Expenses (44293) (41143) (3150) 7.7% (38940) (5353) 13.7% (158258) (153545) (4712) 3.1% |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg042.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;41 Itaú Management Discussion & Analysis Efficiency Ratio We present the evolution of the efficiency ratio: 75.3% 69.0% 64.9% 73.6% 81.0% 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Efficiency ratio Income Statement Analysis Note: Managerial results for Colombia are expressed in constant currency in order to eliminate the impact of foreign exchange rate variation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate: Ch$0.1761 per COP as of December 31, 2022. Efficiency Ratio In the fourth quarter of 2022, Colombia's Efficiency Ratio reached 81.0%, increasing by 7.3 percentage points compared to the previous quarter, a variation that is explained by the joint effect of the 7.7% increase in Non-interest Expenses and the 2.8% reduction in the Operat-ing Revenues. When compared to the fourth quarter of 2021, the Efficiency Ratio increased by 5.7 percentage points, and although revenue generation showed a growth of 5.0% (Operating Revenues), Non-interest Expenses grew by greater magnitude (increase of 13.7%). Distribution Network Points of Service in Colombia Our distribution network provides integrated financial services and products to our customers through diverse channels, inclu ding ATMs, branch offices, internet banking and telephone banking. Branches \| Colombia and Panama Automated Teller Machines (ATMs) \| Colombia 111 109 108 107 104 86 79 78 74 0.0% -1.8% -0.9% -0.9% -2.8% -17.3% -8.1% -1.3% -5.1% -40% -35% -30% -25% -20% -1 5% -1 0% -5% 0% - 50 1 0 1 50 200 250 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Colombia Δ% Branches Colombia QoQ As of December 31, 2022, 74 branches are registered under the Itaú brand in the consolidated vision of Colombia (including Panama), which represents a decrease of 5.1% (4 branches less) compared to the previous quarter, while compared to the same period of 2021, the number of branches registered a decrease of 28.8% (30 less). 125 125 123 122 121 107 107 102 103 0.0% 0.0% -1.6% -0.8% -0.8% -11.6% 0.0% -4.7% 1.0% -35% -30% -25% -20% -1 5% -1 0% -5% 0% 5 % 50 1 0 1 50 200 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Colombia Δ% ATMs Colombia QoQ At the end of the fourth quarter of 2022, the number of ATMs amounted to 103 in Colombia, presenting an increase of 1.0% com-pared to the previous quarter (incorporation of 1 ATM) and a de-crease of 14.9% compared to the same month of the previous year, which is related to the optimization of the footprint implemented in recent years. Our clients continue to have access to more than 16,000 ATMs through Colombia's financial institutions Non-interest Expenses (Personnel + Administrative + Depreciation & Amortization + Impairment) Managerial Financial Margin + Commission and Fees = Efficiency Ratio |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg043.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;42 Itaú Credit Portfolio • Excluding the effect of foreign exchange variation, at the end of the third quarter of 2022, the Colombian portfolio remainedpractically unchanged compared to the previous quarter, totaling Ch$4.84 billion, however, on a 12-month comparison, the loans portfolio grew by 2.4%. Highlights Management Discussion & Analysis In the following table, the loan portfolio is split into two groups: wholesale lending and retail lending. For a better under standing of the performance of these portfolios, the main product groups of each segment are presented below: Credit Portfolio by Products Income Statement Analysis Note: The loan portfolio for Colombia is expressed in constant currency in order to eliminate the impact of foreign exchange rate v ariation, thus all figures from each of the periods analyzed were converted into Chilean Pesos at a single foreign exchange rate of Ch$0.1761 pe r COP as of December 31, 2022. In Ch$ million, end of period 4Q22 3Q22 change 4Q21 change Wholesale lending 2,550,956 2,632,363 -3.1% 2,576,616 -1.0% Commercial loans 2,216,383 2,292,855 -3.3% 2,227,811 -0.5% Current account overdrafts 2,626 10,360 -74.7% 2,230 17.7% Leasing and factoring 326,394 323,224 1.0% 341,520 -4.4% Other loans and receivables 5,554 5,924 -6.2% 5,055 9.9% Retail lending 1,424,489 1,429,554 -0.4% 1,420,994 0.2% Residential Mortgage loans 646,960 644,616 0.4% 610,024 6.1% Housing leasing 274,537 270,055 1.7% 262,251 4.7% Other mortgage loans 372,423 374,561 -0.6% 347,773 7.1% Consumer loans 777,530 784,939 -0.9% 810,970 -4.1% Consumer loans 570,778 584,353 -2.3% 629,906 -9.4% Current account overdrafts 1,005 1,097 -8.5% 1,013 -0.9% Credit card debtors 169,670 164,280 3.3% 148,677 14.1% Leasing consumer 77 107 -28.2% 250 -69.3% Other loans and receivables 36,001 35,102 2.6% 31,124 15.7% TOTAL LOANS1 3,975,445 4,061,917 -2.1% 3,997,610 -0.6% In the fourth quarter of 2022, Colombia's loan portfolio showed a decrease of 2.1%, mainly due to a reduction in the commercial loans portfolio, due to lower activity and the recognition of a higher level of credit prepayments in the last months of the year, while the performance of the Retail portfolio showed a partial compensation between lower activity in consumer, mainly shares, and improvement of 0.4% in mortgage. Compared to December 2021, the total loans portfolio presented a slight decrease of 0.6%, which considers a lower activity in the commercial loans by 1.0% (incidence of prepayments for the quarter) and consumer that totaled a decrease of 4.1% in the comparison in 12 months, while mortgage activity, as observed in previous quarters, maintained its growth trend, closing the year with an expansion of 6.1% compared to the balance of December 31, 2021. (1) Total loans does not include balance owed by banks. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg044.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;43 Itaú Balance Sheet Management Discussion & Analysis Balance Sheet Assets In Ch$ million, end of period 4Q22 3Q22 change 4Q21 change Cash and deposits in banks 3,043,243 2,056,848 48.0% 3,473,392 -12.4% Cash items in process of collection 494,994 704,650 -29.8% 438,496 12.9% Trading investments 418,152 700,404 -40.3% 331,603 26.1% Investments under resale agreements 162,774 141,069 15.4% 606,178 -73.1% Financial derivatives contracts 3,756,339 4,824,275 -22.1% 2,980,926 26.0% Interbank loans, net 45,636 35,753 27.6% 80,554 -43.3% Loans and accounts receivable from customers, net of loan loss allowances 25,903,788 26,567,149 -2.5% 23,955,972 8.1% Available-for-sale investments 3,575,931 3,759,769 -4.9% 2,876,386 24.3% Held-to-maturity investments 1,181,484 1,066,595 10.8% 959,972 23.1% Investments in associates and other companies 22,374 22,460 -0.4% 13,257 68.8% Intangible assets1 693,790 695,945 -0.3% 699,344 -0.8% Property, plan and equipment 149,734 158,537 -5.6% 182,714 -18.0% Current taxes 88,353 40,614 117.5% 58,184 51.9% Deferred taxes 269,107 247,897 8.6% 304,538 -11.6% Other assets 698,600 1,149,699 -39.2% 822,766 -15.1% Total Assets 40,504,299 42,171,663 -4.0% 37,784,282 7.2% 1– Includes right-of-use assets under lease agreements arisen from IFRS 16 adoption since January 1, 2019. Compared to the fourth quarter of 2021, total assets increased by Ch$2.72 billion or 7.2%. The main variations are presented below: At the end of the fourth quarter of 2022, our assets totaled Ch$40.5 billion, decreasing by Ch$1,667 billion or 4.0%, compared to the previous quarter, as follows: \* Securities Investment portfolio: Trading investments, available-for-sale investments and held-to-maturity investments. \*\* Total other assets: Investments in other companies, Intangible assets, Property, plant and equipment, Current taxes, Deferred taxes and Other assets. Ch$ billion Ch$ billion Chile and Colombia The chart below shows the contribution of Chile and Colombia to the total consolidated assets. Ch$35.0 trillion Ch$5.5 trillion 83% 84% 83% 82% 82% 83% 82% 84% 87% 17% 16% 17% 18% 18% 17% 18% 16% 13% 35,639 33,615 34,402 35,769 37,784 37,619 40,326 42,172 40,504 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Chile Colombia Total Ch$ billion - 4.0% (Dec-22 vs. Sep-22) + 7.2% (Dec-22 vs. Dec-21) Ch$40.5 trillion Asset Breakdown December 31, 2022 - 1.2% (Dec-22 vs. Sep-22) + 13.1% (Dec-22 vs. Dec-21) 65.7% 7.6% 12.8% 9.3% 0.4% 1.7% 2.4% Loans Cash, deposits in banks and interbank loans Financial investments Financial derivatives contracts Repos Intangible assets Other assets - 18.4% (Dec-22 vs. Sep-22) - 19.7% (Dec-22 vs. Dec-21) |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg045.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;44 Itaú Management Discussion & Analysis Balance Sheet Liabilities In Ch$ million, end of period 4Q22 3Q22 change 4Q21 change Deposits and other demand liabilities 5,555,185 6,375,900 -12.9% 7,576,095 -26.7% Cash items in process of being cleared 456,957 728,926 -37.3% 424,358 7.7% Obligations sold under repurchase agreements 354,088 441,427 -19.8% 466,006 -24.0% Time deposits and other time liabilities 12,703,653 12,123,989 4.8% 10,097,443 25.8% Financial derivatives contracts 3,644,874 4,832,812 -24.6% 2,925,587 24.6% Interbank borrowings 4,728,323 5,483,420 -13.8% 4,918,423 -3.9% Issued debt instruments 7,810,976 7,458,468 4.7% 6,762,840 15.5% Other financial liabilities 355,733 45,154 687.8% 42,435 738.3% Current taxes 77 26898.89274 -99.7% 1,332 -94.2% Deferred taxes 0 0 - 0 - Provisions 495,742 463,156 7.0% 392,265 26.4% Other liabilities1 1,075,932 877,789 22.6% 825,156 30.4% Total Liabilities 37,181,540 38,857,940 -4.3% 34,431,940 8.0% Attributable to Shareholders 3,320,109 3,310,658 0.3% 3,277,800 1.3% Non-controlling interest 2,650 3,066 -13.5% 74,542 -96.4% Total Equity and Liabilities 40,504,299 42,171,663 -4.0% 37,784,282 7.2% \* Total other liabilities: Cash items in process of being cleared, interbank borrowings, other financial liabilities, current taxes, deferred taxes, provisions, other liabilities (including lease liabilities arising from IFRS 16 adoption since January 2019), capital, reserves, valuation adjustment, income for the period, minus: provision for mandatory dividend and non-controlling interest. 1– Includes lease liabilities arisen from IFRS 16 adoption since January 1, 2019. The main changes in liabilities at the end of the fourth quarter of 2022, compared to the previous quarter, are presented in the chart below: Compared to the fourth quarter of 2021, the main changes in liabilities are highlighted as follows: Balance Sheet  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg046.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;45 Itaú Management Discussion & Analysis Balance Sheet by Currency Assets \| December 31, 2022 Liabilities \| December 31, 2022 Balance Sheet by Currency In Ch$ million, end of period Consolidated\* Business in Chile Ch$ UF FX Business in Colombia Cash and deposits in banks 3,043,243 2,680,281 1,472,359 - 1,207,921 362,963 Cash items in process of collection 494,994 494,501 339,559 - 154,942 493 Trading investments 418,152 221,182 198,265 22,917 - 196,970 Investments under resale agreements 162,774 63,154 63,154 - - 99,620 Financial derivatives contracts 3,756,339 3,569,929 2,643,028 172,883 754,017 186,410 Interbank loans, net 45,636 25,051 - - 25,051 20,585 Loans and accounts receivable from customers, net of loan loss allowances 25,903,788 22,097,364 7,692,130 10,691,755 3,713,479 3,806,424 Available-for-sale investments 3,575,931 3,348,888 2,869,506 72,754 406,628 227,042 Held-to-maturity investments 1,181,484 880,027 470,427 383,948 25,652 301,458 Investments in associates other companies 22,374 16,706 16,485 - 220 5,668 Intangible assets 693,790 664,121 663,991 - 131 29,669 Property, plant and equipment 149,734 121,824 115,496 - 6,328 27,911 Current taxes 88,353 50,772 50,690 - 82 37,581 Deferred taxes 269,107 194,943 175,669 - 19,275 74,164 Other assets 698,600 619,463 214,420 4,765 400,278 79,137 Total Assets 40,504,299 35,048,205 16,985,179 11,349,023 6,714,004 5,456,093 In Ch$ million, end of period Consolidated\* Business in Chile Ch$ UF FX Business in Colombia Deposits and other demand liabilities 5,555,185 3,771,795 2,819,430 27,427 924,939 1,783,390 Cash items in process of being cleared 456,957 456,947 136,813 - 320,134 9 Obligations sold under repurchase agreements 354,088 288,447 288,447 - - 65,641 Time deposits and other time liabilities 12,703,653 11,212,884 7,567,423 1,394,752 2,250,708 1,490,769 Financial derivatives contracts 3,644,874 3,472,039 2,624,515 138,312 709,212 172,835 Interbank borrowings 4,728,323 4,068,309 3,007,284 35,085 1,025,940 660,015 Issued debt instruments 7,810,976 7,195,738 679,521 6,516,217 - 615,238 Other financial liabilities 355,733 355,733 53,174 - 302,558 - Current taxes 77 - - - - 77 Deferred taxes - - - - - - Provisions 495,742 413,911 384,863 - 29,048 81,831 Other liabilities 1,075,932 982,359 443,828 193,158 345,372 93,573 Total Liabilities 37,181,540 32,218,162 18,005,298 8,304,951 5,907,913 4,963,378 Capital 2,687,951 2,282,106 2,282,106 - - 405,844 Reserves 236,039 (39563) (39563) - - 275,602 Valuation adjustment (101966) (116885) (103809) - (13075) 14,918 Retained Earnings: 498,085 702,495 (42263) 635,849 108,909 (204409) Retained earnings or prior years 194,464 406,466 406,466 - - (212001) Income for the period 433,744 426,152 (318606) 635,849 108,909 7,592 Minus: Provision for mandatory dividend (130123) (130123) (130123) - - - Equity attributable to shareholders 3,320,109 2,828,153 2,096,471 635,849 95,834 491,955 Non-controlling interest 2,650 1,890 1,890 - 0 760 Total Equity 3,322,759 2,830,043 2,098,360 635,849 95,834 492,716 Total Liabilities and Equity 40,504,299 35,048,205 20,103,658 8,940,800 6,003,747 5,456,093 \* Consolidated data not only considers Chile and Colombia but also adjustments related to intercompany and minority shareholder s. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg047.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;46 Itaú Management Discussion & Analysis Balance Sheet Credit Portfolio • At the end of the fourth quarter of 2022, our total loan portfolio reached Ch$26.6 billion, 2.6% lower than the previous quarter and 7.6% higher than the same period last year. This variation in twelve months mainly considers a reduction in commercial credit activity, both in Chile and Colombia, while the Retail portfolio registered a slight increase compared to the previous quarter and an expansionof 12.1% compared to 4Q21, driven by greater activity observed in Chile. • In constant currency, Colombia's total loan portfolio registered a decrease of 2.1% compared to the previous quarter and a slight decrease of 0.6% compared to 4Q21, a lower volume of credits that is explained by the decrease in the commercial portfolio activity of Wholesale Banking (see details on page 42). Considering the 16.1% appreciation of the Colombian peso against the Chilean pesofor the quarter, Colombia's loan portfolio decreased by 17.9% in the fourth quarter of 2022 and 16.7% in the 12-month period ended December 31, 2022. Highlights In Ch$ million, end of period 4Q22 3Q22 change 4Q21 change Wholesale lending 16,465,960 17,233,245 -4.5% 15,686,355 5.0% Chile 13,915,004 14,096,450 -1.3% 12,609,485 10.4% Commercial loans 11,254,349 11,338,783 -0.7% 10,654,419 5.6% Foreign trade loans 1,692,507 1,848,640 -8.4% 1,170,092 44.6% Leasing and Factoring 968,149 909,027 6.5% 784,974 23.3% Colombia 2,550,956 3,136,795 -18.7% 3,076,870 -17.1% Commercial loans 2,224,562 2,751,632 -19.2% 2,669,044 -16.7% Leasing and Factoring 326,394 385,163 -15.3% 407,826 -20.0% Retail lending 10,161,265 10,094,954 0.7% 9,067,777 12.1% Chile 8,736,776 8,391,459 4.1% 7,370,895 18.5% Consumer loans 2,343,632 2,176,968 7.7% 1,858,446 26.1% Residential mortgage loans 6,393,144 6,214,491 2.9% 5,512,449 16.0% Colombia 1,424,489 1,703,496 -16.4% 1,696,882 -16.1% Consumer loans 777,530 935,354 -16.9% 968,421 -19.7% Residential mortgage loans 646,960 768,141 -15.8% 728,461 -11.2% TOTAL LOANS1 26,627,225 27,328,200 -2.6% 24,754,132 7.6% Chile 22,651,780 22,487,909 0.7% 19,980,380 13.4% Colombia 3,975,445 4,840,290 -17.9% 4,773,752 -16.7% Loan Portfolio - Breakdown Credit Portfolio - Currency Breakdown Consumer 20% Mortgage 16% Commercial 64% Colombia 15% Consumer 10% Mortgage 28% Commercial 61% Chile 85% 6,600 6,740 6,764 6,870 7,028 8,113 9,452 9,799 10,189 10,676 11,133 10,692 7,759 8,215 7,887 9,023 9,167 7,823 23,812 24,754 24,839 26,569 27,328 26,627 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Ch$ UF F X Ch$ billion As of December 31, 2022, Ch$7.823 billion of our total loans portfo-lio was denominated or indexed to foreign currency. This portion decreased by 14.7% in this quarter and represents approximately 29% of our total placement portfolio. In the fourth quarter of 2022, the USD/CLP exchange rate decreased by 11.5%, approximately Ch$111 per dollar. (1) Total loans does not include balance owed by banks. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg048.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;47 Itaú Management Discussion & Analysis Balance Sheet NPL Ratio (90 days overdue) by segment The chart below shows the calculation of the average tangible Shareholders Equity or "Managerial Equity", which we use to determine the RoTAE. Tangible Equity Breakdown By the end of the fourth quarter of 2022, our consolidated NPL ratio reached 1.97%, representing a decrease of 10bp compared to the previous quarter and an increase of 10bp compared to the same period of 2021. The NPL ratio for Commercial loans decreased from 2.53% to 2.36% compared to the previous quarter. When excluding the student loans, the commercial loans NPL ratio reached 2.07%, an increase of 26bp compared to the previous quarter and an increase of 2bp compared to the fourth quarter of 2021. In the case of Consumer loans, the NPL ratio increased 17bp com-pared to the previous period, while the Mortgage loans remained unchanged, reaching 2.05% and 1.03%, respectively. 4Q22 Average Balance (Ch$ billion) All other Assets: Ch$40,832 Ch$34,742 Ch$6,091 All other Liabilities: Ch$38,138 Ch$32,502 Ch$5,636 Asociado a Intangibles PPA: Ch$40 Minority Interest ex GW and PPA Intangibles: Ch$3 Assets: 41,371 Liabilities: 38,150 Minority Interest: 3 Managerial Tang. Equity: Ch$2,692 Ch$2,263 Ch$428 Shareholders' Equity: 3,217 Managerial Tang. Equity: Recurring Results: Recurring RoTE: Ch$2,692 Ch$2,263 Ch$428 Ch$83.5 Ch$1001 Ch$ -16.6 ÷ ÷ ÷ 12.4% 17.7% -15.5% = = = Goodwill: Ch$493 Ch$493 Ch$ - Intangibles from PPA: Ch$46 Ch$46 Ch$ - Deferred taxes asociated with intangibles from PPA: Ch$12 Ch$12 Ch$ - Asociated w/ PPA Intang.: Ch$ - GW and PPA Intangibles: Ch$526 Ch$526 Ch$ - 2.57% 3.06% 3.30% 2.97% 2.30% 2.19% 2.45% 2.53% 2.36% 2.19% 2.76% 3.03% 2.80% 2.05% 1.94% 2.26% 2.33% 2.07% 1.46% 1.33% 1.23% 1.12% 1.07% 1.03% 1.06% 1.03% 1.03% 1.81% 1.68% 1.67% 1.39% 1.30% 1.58% 1.80% 1.88% 2.05% 2.23% 2.50% 2.61% 2.34% 1.88% 1.82% 2.02% 2.07% 1.97% 4Q'20 1Q'21 2Q'21 3Q'21 4Q'21 1Q'22 2Q'22 3Q'22 4Q'22 Commercial Comm. ex-Students loans Mortgage Consumer Total |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg049.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;48 Itaú Management Discussion & Analysis Balance Sheet Funding • Our funding strategy is to optimize all sources of funding in accordance with their costs, their availability, and our general asset and liability management strategy. • Our strategy in terms of bond issuances is to seek longer maturity tenor and maintain comfortable liquidity levels under BIS III standards. In addition, the spreads vs. peers obtained in these issuances have stayed 10bp, benefitting our cost of funds. In 2022, we have issued bonds for UF 31.5 million (equivalent to Ch$1,106.0 million and US$1,286.8 million). • Total funding amounted to Ch$31.5 trillion by the end of the fourth quarter of 2022, a -1.3% decrease compared to the previous quarter and an increase of 5.5% compared with the same period of 2021. The quarter-over-quarter change was primarily due to: (i) time deposits and saving accounts increase (4.8%); ii) bonds (5.6%) and (iii) other financial liabilities (687.8%). These changes were offset by demand deposits decrease (-12.9%) due to the monetary policy interest rate rose from 10.8% in September 2022 to 11.3% in December 2022. In addition, interbank borrowings have decreased by (-13.8%), investments sold under repurchase agreements have decreased by (- 19.8%) and letters of credit have decreased by (-6.1%). Year-over-year, time deposits and saving accounts have increased by 25.8%, bonds have expanded by 16.9% and other financial liabilities have expanded by 738.3% against the fourth quarter of 2021. On the other hand, demand deposits have decreased by (-26.7%), investments sold under repurchase agreements have decreased by (-24.0%) and interbank borrowings have decreased by (-3.9%). Highlights In Ch$ million, end of period 4Q22 3Q22 change 4Q21 change Funding from Clients (A) 18,612,926 18,941,316 -328,390 -1.7% 18,139,544 473,382 2.6% Deposits and other demand liabilities 5,555,185 6,375,900 -820,715 -12.9% 7,576,095 -2,020,910 -26.7% Time deposits and saving accounts 12,703,653 12,123,989 579,664 4.8% 10,097,443 2,606,210 25.8% Investments sold under repurchase agreements 354,088 441,427 -87,339 -19.8% 466,006 -111,918 -24.0% Other Funding (B) 12,895,032 12,987,042 -92,010 -0.7% 11,723,698 1,171,334 10.0% Letters of credit 18,940 20,162 -1,222 -6.1% 24,035 -5,095 -21.2% Bonds 6,528,867 6,180,131 348,736 5.6% 5,585,760 943,107 16.9% Subordinated bonds 1,263,169 1,258,176 4,993 0.4% 1,153,045 110,124 9.6% Interbank borrowings 4,728,323 5,483,420 -755,097 -13.8% 4,918,423 -190,100 -3.9% Other financial liabilities 355,733 45,154 310,579 687.8% 42,435 313,298 738.3% Total Funding (A) + (B) 31,507,958 31,928,358 -420,400 -1.3% 29,863,242 1,644,716 5.5% Loans and Funding Loan portfolio / Funding from clients and other funding 29.9 30.3 31.4 31.9 31.5 24.8 24.8 26.6 27.3 26.6 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 82.9% 81.9% 84.7% 85.6% 84.5% The ratio between the loan portfolio and the funds raised from clients and other funding reached 84.5% in the fourth quarter of 2022: Loan portfolio Funding from clients and other funding |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg050.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;49 Itaú Management Discussion & Analysis Risk and Capital Management Risk and Capital Management We believe that risk management is essential to optimize the use of resources and select the best business opportunities to maximize value cre-ation for shareholders. In this context, the risk appetite statement defines the nature and the level ofrisks acceptable and the risk culture guides the attitudes required to manage them. We have established a Risk and Capital Commission to assist our Board and management in their assessment and management of market and liquidity risks, P&L and capital adequacy, in accordance with both economic principles and the applicable regulation. The Commission applies these principles and rules to provide oversight and management of market and liquidity risks, P&L and economic capital allocation, to review the effectiveness of related policies and limits as well as to review the adherence to market and liquidity risk and capital policies and procedures throughout the Bank. We take a forward-looking stance in relation to capital management and, through our Internal Capital Adequacy Assessment Process ("ICAAP"), we assess the adequacy of our capital to face the incurred risks, composed by credit, market, operational and other material risks. Liquidity Coverage Ratio (LCR) Net Stable Funding Ratio (NSFR) In Ch$ million 4Q22 3Q22 High Quality Liquid Assets 4,089,366 3,927,829 Net Potential Cash Outflows 1,863,212 2,908,068 LCR (%) 219.5% 135.1% In Ch$ million 4Q22 3Q22 Available Stable Funding 22,466,505 21,578,780 Required Stable Funding 19,613,314 20,025,022 NSFR (%) 114.5% 107.8% In Ch$ million 4Q22 3Q22 Available Stable Funding 3,317,267 3,231,744 Required Stable Funding 3,301,826 3,339,444 NSFR (%) 100.5% 96.8% • Identification and measurement of existing and potential risks in our operations. • Alignment of institutional policies for risk management control, procedures and methodologies according to the guidelines of the Board of Directors and our corporate strategies. • Management of our portfolio seeking optimal risk-return ratios. Our risk management process includes: Starting in April 2019, Chilean banks began reporting their local LCR figures with a minimum level set by CMF at 60%.This minimum gradually increased to 100% by June 2022. Our internal minimum limit for LCR set by our board of directors is 100%. Note: Figures for Colombia are expressed in constant currency, thus all figures from each of the periods analyzed were converted into Chilean peso at a single foreign exchange rate: Ch$0.1761 per COP as of December 31, 2022. Note: Figures for Colombia are expressed in constant currency, thus all figures from each of the periods analyzed were converted into Chilean peso at a single foreign exchange rate: Ch$0.1761 per COP as of December 31, 2022. • In line with international risk management practices, we use the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) to manage liquidity risk. • The methodology used to estimate LCR and NSFR consists of liquidity ratios proposed by the Basel III Committee on Banking Supervision (BIS III), which were adopted by the CMF and the Brazilian Central Bank (BACEN). Highlights Our current internal minimum limit for NSFR, set by the board of directors, is 90% in Chile and Colombia. Note: NSFR data considers consolidated information for Chile and its subsidiaries and for Colombia and its subsidiaries . In this report, we have changed "Potential Cash Outflows" data included in 3Q19, for "Net Potential Cash Outflows" since 4Q19. Liquidity Ratios In Ch$ million 4Q22 3Q22 High Quality Liquid Assets 713,704 654,671 Net Potential Cash Outflows 390,980 516,848 LCR (%) 182.5% 126.7% |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg051.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50 Itaú Management Discussion & Analysis Risk and Capital Management Capital • At the end of the fourth quarter of 2022, our regulatory capital ratio reached 15.26%, an increase of 41 basis points when compared to the previous quarter. Highlights Our minimum capital requirements are set by the Comisión para el Mercado Financiero ("CMF"), which follows the Chilean banking law capital requirements. On January 12, 2019, a new banking law was enacted for purposes of adopting Basel III and replaced the SBIF with CMF, as of June 1, 2019. With this milestone the process of implementing Basel III in Chile started. During 2020, the CMF issued regulations for several key definitions for the implementation of Basel III, such as the exact ca pital de-ductions to be taken from regulatory capital, specific buffer sizes, changes in credit RWA as well as the definitive models f or market and operational risks, among other aspects. The regulatory adjustments of the capital base will be applied progressively duri ng a 5- year term, with no deductions applied in 2021. Currently, our minimum capital requirement is expressed as a ratio of regulatory capital, stated by the referential equity or total capital, composed of Tier I capital and Tier II capital, and the risk-weighted assets, or RWA. Our minimum total capital requirement corresponds to 10.0%. Itaú targets an optimal capital ratio based on the greater of 120% of the minimum regulatory capital requirement or the avera ge regulatory capital ratio of the three largest private banks in Chile and Colombia. Minimum Capital Requirement In Ch$ millions, end of period 4Q22 3Q22 Core capital 1 3,320,109 3,310,658 (-) Goodwill (492512) (492512) (-) New discounts under Basel III (39553) - (+) Subordinated debt 1,120,705 1,101,166 (+) Additional provisions 175,501 174,939 (+) Minority interest 2,650 3,066 = Regulatory capital (Core capital + Tier II capital) 4,086,900 4,097,317 Risk-Weighted assets (RWA) 26,788,953 27,595,210 BIS (Regulatory capital / Risk-weighted assets) 2 15.26% 14.85% Core capital ratio 1 (ex-goodwill) 10.41% 10.21% Main changes in the 4Q22 Note: (1) Core Capital = Capital básico according to CMF current definitions aplied from 4Q21; (2) BIS Ratio = Regulatory capital / RWA, according to CMF current definitions aplied from 4Q21. Solvency Ratios On December 2022 started the discounts of capital under Basel III. The regulatory adjustments of the capital base will be ap-plied progressively during a 5 - year term. In this first year, the effect of capital discounts was -14 basis points on the solvency ratio. Considering the above, the solvency ratio increased 41 basis points, from 14.85% to 15.26%, mainly due to the effect of ex-change rates on RWA, results of the period, and an increase in computable subordinated debt (FX effect). This was partially offset by other comprehensive income (OCI) and new dis-counts of capital. 14.85% 15.26% 3 bp -14 bp 7 bp 45 bp 0 bp 3Q'22 Core Capital (1) New discounts…Subordinated Bonds RWA Other 4Q'22 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg052.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;51 Itaú Management Discussion & Analysis Risk and Capital Management Ownership structure and resource management The Bank's current ownership structure consists of Itaú Unibanco (65.62%) and minority shareholders (34.38%), the latter includes the Saieh Family (1.83%). It is worth mentioning that the ownership structure was recently updated, on July 14, 2022, the dat e on which the termination of the Transaction Agreement, dated as of January 20, 2017, among Itaú Corpbanca, among Itaú Unibanco Holding S.A., CorpGroup Interhold SpA, Inversiones GASA Limitada and other related companies of CG Banking, as well as the Shareholders Agreement, dated as of April 1, 2016, among CorpGroup Interhold SpA, Inversiones Gasa Limitada, CG Banking, CorpGroup Holding Inversiones Limitada, SAGA, ITB Holding Brasil Participações Ltda and Itaú Unibanco Holding S.A., was com-municated to the market by means of a Material Event Notice filed with the CMF. The Bank's bylaws, Title VII, establish that it must distribute annually as a cash dividend to its shareholders, at the propo sal of the Board of Directors and in proportion to its shares, at least 30% of the net profits of each year. However, no dividend may be dis-tributed if a part of the capital has been lost, while the loss has not been repaired, or in the event that due to the effect of the distribution the Bank infringes any of the patrimonial requirements required by the General Law of Banks. Under the development exercise of the capital contingency plan, we seek to design a system that allows an efficient response to a capital adequacy event (ESC), in order to safeguard the continuity of the Bank and its subsidiaries, minimize negative effect s and protect depositors, creditors and shareholders of Itaú. The capital contingency plan is reviewed and updated annually, in acc ord-ance with the preparation of the Bank's capital plan or other possible needs, with the aim of having a plan that allows stabi lizing and resolving these situations in the appropriate time, safeguarding compliance with internally defined capital requirements, as well as regulatory requirements. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg053.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Additional Information 03 Management Discussion & Analysis and Complete Balance sheet & income statements  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg054.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(This page was intentionally left blank)  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg055.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;54 Itaú Management Discussion & Analysis Additional Information Our Shares 51 Itaú capital stock is composed of 973,517,871,202 common shares traded on the Santiago Stock Exchange (ITAUCORP) as of December 31, 2022. Shares are also traded as American Depositary Receipts ("ADR") on the New York Stock Ex-change (ITCB). Dividends The actual amount of dividends will depend on, among other factors, our current level of net income, capital and legal reserve requirements, as well as market conditions. We cannot guarantee the amount or timing of future divi-dends. For purposes of capital requirements, annual dividends are provisioned at 30%. Itaú paid its last annual dividend of Ch$0.0856089775/ share in Chile on March 24, 2022. The dividend payout ratio was 30% of 2021 Net Income, equivalent to a dividend yield of 5.41%. The following table shows dividends per share distributed during the past five years: Charge to Fiscal Year Year paid Net Income (Ch$ mn)1 % Distrib-uted Dividend per Share (Ch$) 2017 2018 57,447 40% 0.044844689 2018 2019 172,047 30% 0.100728627 2019 2020 127,065 100% 0.2479770771 2020 2021 (925479) 0% 0.000000000 2021 2022 277,806 30% 0.0856089775 Ch$1.8 trillion \| US$2.1 billion Market Capitalization Corporate Structure Chart Performance in the Capital Markets Sell-side ratings 9 2 0 Buy Hold Sell Source: Sell-side reports. As of December 31, 2022, our shareholders structure was as follows: Shareholder Base and Ratios 4Q22 3Q22 4Q21 Number of outstanding shares (million) 973,517.9 973,517.9 973,517.9 Number of outstanding ADRs [1:1500] (million) 6.68 6.47 5.48 Recurring Diluted Earnings per share in the quarter (Ch$) 0.09 0.12 0.08 Accounting Diluted Earnings per share in the quarter (Ch$) 0.08 0.12 0.07 Recurring Diluted Earnings per ADR in the quarter (US$) 0.15 0.19 0.15 Accounting Diluted Earnings per ADR in the quarter (US$) 0.14 0.18 0.12 Book value per share in the quarter (Ch$) 3.41 3.40 3.37 Price\* / Earnings (P/E) 5.74 3.95 6.05 Price\*/ Tangible Book Value (P/B) 0.55 0.54 0.49 ITAUCORP ITCB Price and Volume (Common shares) (ADR) Ch$ US$ Closing Price at 12/31/2022 1.87 3.23 Maximum price in the quarter 1.94 3.41 Average Price in the quarter 1.85 3.10 Minimum price in the quarter 1.77 2.60 Closing Price at 09/30/2022 1.83 2.87 Closing Price at 12/31/2021 1.65 2.95 Change in 4Q'22 2.02% 12.51% Change in LTM 13.47% 9.50% Average daily trading volume LTM (million) 1,787.41 0.07 Average daily trading volume in 4Q'22 (million) 918.49 0.02 \* Closing price on the last trading day of each period. 1- Net Income Attributable to Shareholders (Accounting) Strengths of our structure • Itaú is controlled by Itaú Unibanco. • Itaú Unibanco appoints the majority of the board of directors (8/11). • Professional and experienced management team. Average daily traded volumes for the 12-month period ended December 31, 2022 (US$ million) 1– Includes 103,736,846,776 shares owned by ITB Holding Brasil Participações Ltda. that are under custody. 2- Includes 36,000,000 shares owned by Corp Group Banking S.A. that are under custody. 2 . 0 9 0 . 0 7 2 . 17 Santiag o NY To tal Itaú 973,517,871,202 (# total shares). Itaú Unibanco1 65.62% Others2 34.38% |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg056.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;55 Itaú Management Discussion & Analysis Credit Risk Ratings Additional Information On a global scale, Itaú is rated by two internationally recognized agencies: Moody´s Investors Service ('Moody's') and Standard & Poor´s Global Ratings ('Standard & Poor's' or 'S&P'). Detailed international ratings are presented below: International Credit Risk Rating Moody´s Rating Long term Counterparty Risk Rating (CRR) A2 Long-term foreign currency deposits A3 Long-term foreign currency debt A3 Short-term foreign currency deposits Prime-2 Outlook Stable On a national scale, Itaú is rated by Feller Rate Clasificadora de Riesgo Ltda. ('Feller Rate') and by Clasificadora de Riesgo Humphreys Ltda. ('Humphreys'). Detailed local ratings are presented below: Standard & Poor´s Rating Long-term issuer credit rating BBB+ Senior unsecured bonds BBB+ Short-term issuer credit rating A-2 Outlook Negative Local Credit Risk Rating Feller Rate Rating Long-term issuer credit rating AA+ Senior unsecured bonds AA+ Letter of credit AA+ Long-term deposits AA+ Subordinated bonds AA Short-term deposits Nivel 1+ Shares 1ª Clase Nivel 1 Outlook Stable Humphreys Rating Long-term issuer credit rating AA+ Senior unsecured bonds AA+ Letter of credit AA+ Long-term deposits AA+ Subordinated bonds AA Short-term deposits Nivel 1+ Shares 1ª Clase Nivel 1 Outlook Stable |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg057.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;56 Itaú Management Discussion & Analysis Our Value Proposition Based on a segmentation model aimed at optimizing the level of service, satisfaction and profitability per customer, Itaú has focused on the delivery of financial solutions that create value for its customers, recognizing and adapting to new trends and needs, putting a main focus on the "digital transformation". Segmentation Wholesale Banking Retail Banking • Corporate and Investment Banking (CIB): serves the largest economic groups of the country. This unit is distinguished by the understanding and knowledge of the business of its clients, focusing on serving them with value propositions adapted to their needs, maintaining a constant search for the quality of the services delivered and real concern in the use of Environmental, Social and Governance (ESG) criteria. • Institutional: this segment is specialized in financial and non-financial institutional clients, with focus on their investment, funding and non – credit products and ser-vices needs for their daily operations. • Multinational: levers the Itaú BBA footprint along Latam, developing distinct value proposals for companies operating along the region. We supply different alterna-tives for optimizing working capital and Treasury management cross border. • Real Estate and Construction Banking: serves clients that develop and sell real estate, lease commercial, industrial and residential buildings, and construction companies. • Large Companies Banking: its clients correspond to legal entities and/or economic groups with annual revenues between US$8 and US$100 million, that do not oper-ate in the real estate or construction industries. It stands out for its national pres-ence from the business center of Santiago to commercial executives in the main cities of the country. • Private Bank: serves high income individuals with net investments over US$1 mil-lion and their personal businesses. • Personal Bank: serves individuals with monthly income from Ch$2.5 million in the Metropolitan Region and Antofagasta, and Ch$2.3 million in other parts of Chile, or investments between Ch$70 million and Ch$700 million . • Itau Branches: corresponds to the commercial segment that serves individuals with monthly income between Ch$600,000 and Ch$2.5 million in the Metropolitan Re-gion and Antofagasta, and Ch$2.3 million in other parts of Chile, or investments under Ch$70 million. • Condell: serves individuals with monthly income between Ch$200,000 and Ch$600,000. Since the fourth quarter of 2021, the Bank has begun to work on changes to its segmentation model, to evolve from a model that focuses on size and sector, to one that includes and understands variables of customer behavior, allowing it to increase its customer satisfaction by focusing efforts on new customer needs (see Annual Report 2021 available in https://s2.q4cdn.com/476556808/files/doc_financials/2021/ ar/ITCB_Memoria-Integrada-Anual-2021.pdf). Additional Information CIB Institutional Multinational Real Estate Large Companies Private Bank Itau Branches Personal Bank  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg058.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;57 Itaú Management Discussion & Analysis Our Value Proposition This unit aims to manage the market and liquidity risks of the Bank, as well as to optimize the funding structure and allocation of transfer prices applied to the products managed by the Bank. This unit comprises four areas in charge of developing these objectives: • Distribution Desk, in charge of the distribution of the Bank's financial products to its customers through specialized equipment and chan-nels. • Liquidity, responsible for guaranteeing the liquidity of the Bank that allows it to efficiently fulfill its obligations according to internal and external policies and guidelines. • Trading and Market Making, manages the Bank's market risks and provides competitive pricing so the Distribution Desk can distribute treasury products in the various commercial segments. • Asset and Liability Management (ALM), responsible for managing the market risks of the Bank's balance sheet and executing the institu-tion's banking book strategy. The Bank's segmentation model is consolidated through subsidiaries, through which more comprehensive financial solutions are delivered. These subsidiaries are made up of:  Itaú Corredores de Bolsa Limitada.  Itaú Asesorías Financieras Limitada.  Itaú Corredores de Seguros S.A.  Recaudaciones y Cobranzas Limitada.  Itaú Administradora General de Fondos S.A. Within the framework of this segmentation model, Itaú structures its offering of products and services covering: Treasury Companies • Commercial current accounts • Commercial credit card • Financing (credits, foreign trade, factoring and leasing) • Cash management • Corporate finance • Derivatives • Investment Banking • Insurances Detalles en Itaú para tu empresa Individuals • Retail current account • Line of credit • Credit cards • Credits (consumer, student portfolio, among others) • Mortgage credit • Investments • Insurances Details in Itaú para ti Additional Information  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg059.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;58 Itaú Management Discussion & Analysis Main Stakeholders Stakeholders Customers, defined as individuals or companies of all sizes that use the Bank's services. Communication and relationship with this interest group is developed through the following channels: physical and digital branches, website, app, social networks, mailing, contact center, NPS surveys, among others. Employees, includes the employees of the Bank and its subsidiaries. Communication and relations with this group are maintained through the Bank's intranet, inter-nal newsletters, information screens, climate surveys, meetings of team leaders and feedback, among others. Suppliers, with which constant communication is main-tained via email, supplier portal, surveys, press releases, among others. Shareholders/Investors, group of stakeholders with whom the Bank communicates by means of: email, shareholders' meetings, notices to the market, the Bank's investor relations website, Quarterly Releases, among others. Regulatory authorities, including financial industry and other regulatory entities with which the Bank holds com-pliance obligations. The Bank maintains communica-tions with regulatory entities via Memos, Regulator email address, Securities and Exchange Commission (SEC) filings, among others. Society in general, includes the media and citizens in general (customers and non-customers). The segmentation model, the value proposition and the strong link with stakeholders serve as a basis for the realization of the strategic ob-jectives defined by the Bank, goals that in quantitative terms and in particular for the year 2022, refer to a growth of loans, with credit risk and Non-interest Expenses with controlled growth, objectives that were periodically monitored and analyzed in this quarterly disclosure (page 18 of this report). Itaú's activity focuses on the implementation of a transformation plan based on five pillars: "disruption", "customer centricity", "simple and digital ", "innovative organization and culture " and "sustainable results". Under this framework, decision-making process takes into account social impact and shared values, which is why the Bank actively connects with its stakeholders, strengthening relationships of trust that safeguard its customers, collaborators and therefore the Bank itself. Additional Information  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg060.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;59 Itaú Management Discussion & Analysis Risk management Additional Information Financial activities entail exposure to financial, credit, operational, legal and compli-ance risks, among others; for this reason Itaú has adopted an integrated risk manage-ment model, which starts with strengthening the transversal position of the collabora-tors as risk managers and is enhanced with the activity of Corporate Risk Depart-ment, which reports to the Chief Executive Officer and is responsible for carrying out this integral management, so that this becomes a competitive advantage for the Bank. Among the challenges arising from the COVID-19 pandemic, the adaptation to remote work, the definitions of financial portability and, in general, the focus on the digital transformation applied by the Bank, has meant working on the strengthening of the Bank's risk management culture, with an emphasis on internal and external cybersecurity evidenced by various cybersecurity initiatives (such as training, communica-tions, promoting good internal practices and customer engagement, among others). In 2022, the management of these risks will continue to be a priority in the Bank's activity. From the perspective of socio-environmental risks, understanding that climate change can have consequences at physical and systemic levels, which affect the financial system and societies as a whole, in 2019 the Bank signed, together with others actors in the national banking system, the Green Agreement promoted by the Chilean Finance Ministry's Green Finance Board, whose objective is to support the commit-ments that Chile has made in climate matters. During the year 2020, the work focused on the definition of a Roadmap that will define the im-plementation of the Green Agreement that implies, in turn, the development of a Methodological Guide that allows the banking sector to manage the risks and opportunities in this context. Along similar lines, Itaú had a Socio-Environmental Risk Policy since 2018, which defines the guidelines for the evaluation of financing granted by the Bank, from the perspective of social and environmental impacts, a policy applied by the socio-environmental risk area, which per-forms an analysis of the information provided by clients to classify them according to their exposure to environmental risks, social and repu-tational. These bodies regulate and oversee compliance with current environmental, business-specific, labor, hygiene and safety regulations. The area searches the press for articles related to socio-environmental and reputation risk. It visits the customer's webpage to analyze the social and environmental commitments undertaken. Based on the information gathered, the socio-environmental risk area drafts a report and assesses the customer on the basis of socio-environmental and reputation risk exposure (see Annual Integrated Report 2021 available at https://s2.q4cdn.com/476556808/files/doc_financials/2021/ar/ITCB_Memoria-Integrada-Anual-2021.pdf). For more details of the risk management carried out and description of the same see chapter 7.6 of the Integrated Annual Report 2021 availa-ble in https://s2.q4cdn.com/476556808/files/doc_financials/2021/ar/ITCB_Memoria-Integrada-Anual-2021.pdf) At Itaú we are all risk managers In this aspect, three lines of defense of the Risk Management Model are defined: 1 1 st Line of Defense: Business and Support Areas, responsible for identifying, measuring, assessing and managing the opera-tional risks that can impact the ability to meet strategic and operational objectives. 2 2 nd Line of Defense: Compliance and Operational Risk Departments, responsible for assisting the Business and Support areas in managing operational risks and ensuring processes are in compliance with current regulations (internal and external). 3 3 rd Line of Defense: Internal Audit, responsible for regularly and independently evaluating the adequacy of risk management processes and procedures in accordance with Internal Audit Policy and reporting results to the Audit Committee.  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg061.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;60 Itaú Management Discussion & Analysis  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg062.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(This page was intentionally left blank)  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](tmb-20230309xex99d1bg063.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certain statements in this Report may be considered as forward-looking statements. Forward-looking information is often, but not always, identified by the use of words such as "anticipate", "believe", "expect", "plan", "intend", "forecast", "target", "project", "may", "will", "should", "could", "estimate", "predict" or similar words suggesting future outcomes or language suggesting an outlook. These forward-looking statements include, but are not limited to, statements regarding expected benefits and synergies from the recent merger of Banco Itaú Chile with and into Corpbanca, the integration process of both banks, the expected timing of completion of the transaction, anticipated future financial and operating performance and results, in-cluding estimates for growth, as well as risks and benefits of changes in the laws of the countries we operate, including the Tax Reform in Chile. These statements are based on the current expectations of Itaú's management. There are risks and uncertainties that could cause actual results to differ materially from the forward-looking statements included in this communication. For example, (1) problems that may arise in successfully inte-grating the businesses of Banco Itaú Chile and Corpbanca, which may result in the combined company not operating as effectively and efficiently as expected; (2) the combined company may be unable to achieve cost-cutting synergies or it may take longer than expected to achieve those synergies; (3) the credit ratings of the combined company or its subsidiaries may be different from what Itaú or its controlling shareholders expect; (4) the business of Itaú may suffer as a result of uncertainty surrounding the merger; (5) the industry may be subject to future regulatory or legislative actions that could adversely affect Itaú; and (6) Itaú may be adversely affected by other economic, business, and/or competitive factors. Forward-looking statements and information are based on current beliefs as well as assumptions made by and information currently available to Itaú's management. Although management considers these assumptions to be reasonable based on information currently available to it, they may prove to be incorrect. By their very nature, forward-looking statements involve inherent risks and uncertainties, both general and specific, and risks that predic-tions, forecasts, projections and other forward-looking statements will not be achieved. We caution readers not to place undue reliance on these statements as a number of important factors could cause the actual results to differ materially from the beliefs, plans, objectives, expectations and anticipations, estimates and intentions expressed in such forward-looking statements. More infor-mation on potential factors that could affect Itaú' s financial results is included from time to time in the "Risk Factors" section of Itaú' s Annual Report on Form 20-F for the fiscal year ended December 31, 2021, filed with the SEC. Furthermore, any forward-looking statement contained in this Report speaks only as of the date hereof and Itaú does not undertake any obligation to update publicly or to revise any of the included forward-looking statements, whether as a result of new information, future events or otherwise. The forward-looking statements contained in this Report are expressly qualified by this cautionary statement. CONTACT INFORMATION: Gabriel Moura CEO. Itaú Santiago. Chile Phone: (562) 2686-0558 IR@corpbanca.cl Rodrigo Couto CFO. Itaú Santiago. Chile Phone: (562) 2834-6067 rodrigo.couto@itau.cl CAUTION REGARDING FORWARD-LOOKING STATEMENTS |

---

## Exhibit 99.2

**Exhibit 99.2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ![Graphic](tmb-20230309xex99d2001.jpg) | ![Graphic](tmb-20230309xex99d2001.jpg) | ![Graphic](tmb-20230309xex99d2001.jpg) | ![Graphic](tmb-20230309xex99d2001.jpg) | ![Graphic](tmb-20230309xex99d2001.jpg) |
| &nbsp;&nbsp;**Itaú Corpbanca and subsidiaries**<br> As of and for the two-month period ended February 28, 2023 and 2022 | &nbsp;&nbsp;**Itaú Corpbanca and subsidiaries**<br> As of and for the two-month period ended February 28, 2023 and 2022 | &nbsp;&nbsp;**Itaú Corpbanca and subsidiaries**<br> As of and for the two-month period ended February 28, 2023 and 2022 | &nbsp;&nbsp;**Itaú Corpbanca and subsidiaries**<br> As of and for the two-month period ended February 28, 2023 and 2022 | &nbsp;&nbsp;**Itaú Corpbanca and subsidiaries**<br> As of and for the two-month period ended February 28, 2023 and 2022 |
| <br>*The financial information of Itaú Corpbanca as of and for the two-month period ended February 28, 2023 and 2022 has been published on our website in accordance with Circular No 18 of the Chilean Commission for the Financial Market (or "CMF") dated September 1st, 2008. The unaudited financial information included herein has been prepared in accordance with the Compendium of Accounting Standards issued by CMF pursuant to Chilean Generally Accepted Accounting Principles (Chilean GAAP), which conform with the international standards of accounting and financial reporting issued by the International Accounting Standards Board (IASB) to the extent that there are not specific instructions or regulations to the contrary issued by the CMF.*<br>*Commencing on January 1, 2022, we have implemented the regulatory changes put in place by the new accounting standards compendium issued by the CMF.* | <br>*The financial information of Itaú Corpbanca as of and for the two-month period ended February 28, 2023 and 2022 has been published on our website in accordance with Circular No 18 of the Chilean Commission for the Financial Market (or "CMF") dated September 1st, 2008. The unaudited financial information included herein has been prepared in accordance with the Compendium of Accounting Standards issued by CMF pursuant to Chilean Generally Accepted Accounting Principles (Chilean GAAP), which conform with the international standards of accounting and financial reporting issued by the International Accounting Standards Board (IASB) to the extent that there are not specific instructions or regulations to the contrary issued by the CMF.*<br>*Commencing on January 1, 2022, we have implemented the regulatory changes put in place by the new accounting standards compendium issued by the CMF.* | <br>*The financial information of Itaú Corpbanca as of and for the two-month period ended February 28, 2023 and 2022 has been published on our website in accordance with Circular No 18 of the Chilean Commission for the Financial Market (or "CMF") dated September 1st, 2008. The unaudited financial information included herein has been prepared in accordance with the Compendium of Accounting Standards issued by CMF pursuant to Chilean Generally Accepted Accounting Principles (Chilean GAAP), which conform with the international standards of accounting and financial reporting issued by the International Accounting Standards Board (IASB) to the extent that there are not specific instructions or regulations to the contrary issued by the CMF.*<br>*Commencing on January 1, 2022, we have implemented the regulatory changes put in place by the new accounting standards compendium issued by the CMF.* | <br>*The financial information of Itaú Corpbanca as of and for the two-month period ended February 28, 2023 and 2022 has been published on our website in accordance with Circular No 18 of the Chilean Commission for the Financial Market (or "CMF") dated September 1st, 2008. The unaudited financial information included herein has been prepared in accordance with the Compendium of Accounting Standards issued by CMF pursuant to Chilean Generally Accepted Accounting Principles (Chilean GAAP), which conform with the international standards of accounting and financial reporting issued by the International Accounting Standards Board (IASB) to the extent that there are not specific instructions or regulations to the contrary issued by the CMF.*<br>*Commencing on January 1, 2022, we have implemented the regulatory changes put in place by the new accounting standards compendium issued by the CMF.* | <br>*The financial information of Itaú Corpbanca as of and for the two-month period ended February 28, 2023 and 2022 has been published on our website in accordance with Circular No 18 of the Chilean Commission for the Financial Market (or "CMF") dated September 1st, 2008. The unaudited financial information included herein has been prepared in accordance with the Compendium of Accounting Standards issued by CMF pursuant to Chilean Generally Accepted Accounting Principles (Chilean GAAP), which conform with the international standards of accounting and financial reporting issued by the International Accounting Standards Board (IASB) to the extent that there are not specific instructions or regulations to the contrary issued by the CMF.*<br>*Commencing on January 1, 2022, we have implemented the regulatory changes put in place by the new accounting standards compendium issued by the CMF.* |
| <br>*The financial information of Itaú Corpbanca as of and for the two-month period ended February 28, 2023 and 2022 has been published on our website in accordance with Circular No 18 of the Chilean Commission for the Financial Market (or "CMF") dated September 1st, 2008. The unaudited financial information included herein has been prepared in accordance with the Compendium of Accounting Standards issued by CMF pursuant to Chilean Generally Accepted Accounting Principles (Chilean GAAP), which conform with the international standards of accounting and financial reporting issued by the International Accounting Standards Board (IASB) to the extent that there are not specific instructions or regulations to the contrary issued by the CMF.*<br>*Commencing on January 1, 2022, we have implemented the regulatory changes put in place by the new accounting standards compendium issued by the CMF.* | <br>*The financial information of Itaú Corpbanca as of and for the two-month period ended February 28, 2023 and 2022 has been published on our website in accordance with Circular No 18 of the Chilean Commission for the Financial Market (or "CMF") dated September 1st, 2008. The unaudited financial information included herein has been prepared in accordance with the Compendium of Accounting Standards issued by CMF pursuant to Chilean Generally Accepted Accounting Principles (Chilean GAAP), which conform with the international standards of accounting and financial reporting issued by the International Accounting Standards Board (IASB) to the extent that there are not specific instructions or regulations to the contrary issued by the CMF.*<br>*Commencing on January 1, 2022, we have implemented the regulatory changes put in place by the new accounting standards compendium issued by the CMF.* | <br>*The financial information of Itaú Corpbanca as of and for the two-month period ended February 28, 2023 and 2022 has been published on our website in accordance with Circular No 18 of the Chilean Commission for the Financial Market (or "CMF") dated September 1st, 2008. The unaudited financial information included herein has been prepared in accordance with the Compendium of Accounting Standards issued by CMF pursuant to Chilean Generally Accepted Accounting Principles (Chilean GAAP), which conform with the international standards of accounting and financial reporting issued by the International Accounting Standards Board (IASB) to the extent that there are not specific instructions or regulations to the contrary issued by the CMF.*<br>*Commencing on January 1, 2022, we have implemented the regulatory changes put in place by the new accounting standards compendium issued by the CMF.* | <br>*The financial information of Itaú Corpbanca as of and for the two-month period ended February 28, 2023 and 2022 has been published on our website in accordance with Circular No 18 of the Chilean Commission for the Financial Market (or "CMF") dated September 1st, 2008. The unaudited financial information included herein has been prepared in accordance with the Compendium of Accounting Standards issued by CMF pursuant to Chilean Generally Accepted Accounting Principles (Chilean GAAP), which conform with the international standards of accounting and financial reporting issued by the International Accounting Standards Board (IASB) to the extent that there are not specific instructions or regulations to the contrary issued by the CMF.*<br>*Commencing on January 1, 2022, we have implemented the regulatory changes put in place by the new accounting standards compendium issued by the CMF.* | <br>*The financial information of Itaú Corpbanca as of and for the two-month period ended February 28, 2023 and 2022 has been published on our website in accordance with Circular No 18 of the Chilean Commission for the Financial Market (or "CMF") dated September 1st, 2008. The unaudited financial information included herein has been prepared in accordance with the Compendium of Accounting Standards issued by CMF pursuant to Chilean Generally Accepted Accounting Principles (Chilean GAAP), which conform with the international standards of accounting and financial reporting issued by the International Accounting Standards Board (IASB) to the extent that there are not specific instructions or regulations to the contrary issued by the CMF.*<br>*Commencing on January 1, 2022, we have implemented the regulatory changes put in place by the new accounting standards compendium issued by the CMF.* |
| &nbsp;&nbsp;**CONDENSED CONSOLIDATED BALANCE SHEET** |  |  |  |  |
| &nbsp;&nbsp;In Ch$ million |  |  | &nbsp;&nbsp; **Feb'23** | &nbsp;&nbsp; **Feb'22** |
| &nbsp;&nbsp;Total loans |  |  | &nbsp;&nbsp;26629211 | &nbsp;&nbsp;24754151 |
| &nbsp;&nbsp;**Total assets** |  |  | &nbsp;&nbsp;**40750364** | &nbsp;&nbsp;**36888625** |
| &nbsp;&nbsp;Deposits and other demand liabilities |  |  | &nbsp;&nbsp;5420654 | &nbsp;&nbsp;7494580 |
| &nbsp;&nbsp;Time deposits and other time liabilities |  |  | &nbsp;&nbsp;12795917 | &nbsp;&nbsp;10075394 |
| &nbsp;&nbsp;Interbank borrowings |  |  | &nbsp;&nbsp;4680566 | &nbsp;&nbsp;4792664 |
| &nbsp;&nbsp;Debt and regulatory capital instruments issued |  |  | &nbsp;&nbsp;7959372 | &nbsp;&nbsp;6799100 |
| &nbsp;&nbsp;**Equity** |  |  | &nbsp;&nbsp;**3337704** | &nbsp;&nbsp;**3108996** |
| &nbsp;&nbsp;Total equity attributable to equity holders of the Bank  |  |  | &nbsp;&nbsp;3335108 | &nbsp;&nbsp;3105533 |
| &nbsp;&nbsp;Non-controlling interest |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2596  | &nbsp;&nbsp;3463 |
| &nbsp;&nbsp;**CONSOLIDATED INCOME STATEMENT FOR THE PERIOD** |  |  | &nbsp;&nbsp;With reclassification of financial hedges<sup>1</sup>  | &nbsp;&nbsp;With reclassification of financial hedges<sup>1</sup>  |
| &nbsp;&nbsp;In Ch$ million | &nbsp;&nbsp;**2M'23** | &nbsp;&nbsp;**2M'22** | &nbsp;&nbsp;**2M'23** | &nbsp;&nbsp;**2M'22** |
| &nbsp;&nbsp;Net operating profit before provision for loan losses | &nbsp;&nbsp;202156 | &nbsp;&nbsp;174750 | &nbsp;&nbsp;225414 | &nbsp;&nbsp;208570 |
| &nbsp;&nbsp;Loan losses expense<sup>2</sup> | &nbsp;&nbsp;(63257) | &nbsp;&nbsp;(30500) | &nbsp;&nbsp;(63257) | &nbsp;&nbsp;(30500) |
| &nbsp;&nbsp;Total operating expenses | &nbsp;&nbsp;(113249) | &nbsp;&nbsp;(111480) | &nbsp;&nbsp;(113249) | &nbsp;&nbsp;(111480) |
| &nbsp;&nbsp;**Operating income**  | &nbsp;&nbsp;**25650** | &nbsp;&nbsp;**32770** | &nbsp;&nbsp;**48908** | &nbsp;&nbsp;**66590** |
| &nbsp;&nbsp;Income from investments in companies | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;254  | &nbsp;&nbsp;198 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;254  | &nbsp;&nbsp;198 |
| &nbsp;&nbsp;**Operating income before income taxes** | &nbsp;&nbsp;**25904** | &nbsp;&nbsp;**32968** | &nbsp;&nbsp;**49162** | &nbsp;&nbsp;**66788** |
| &nbsp;&nbsp;Income taxes | &nbsp;&nbsp;26599 | &nbsp;&nbsp;38133 | &nbsp;&nbsp;3341 | &nbsp;&nbsp;4313 |
| &nbsp;&nbsp;**Consolidated income for the period** | &nbsp;&nbsp;**52503** | &nbsp;&nbsp;**71101** | &nbsp;&nbsp;**52503** | &nbsp;&nbsp;**71101** |
| &nbsp;&nbsp;**Net income attributable to holders of the Bank** | &nbsp;&nbsp;**52495** | &nbsp;&nbsp;**71089** | &nbsp;&nbsp;**52495** | &nbsp;&nbsp;**71089** |
| &nbsp;&nbsp;Non-controlling interest | &nbsp;&nbsp;8 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8 | &nbsp;&nbsp;12 |
| <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* | <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* | <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* | <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* | <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* |
| <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* | <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* | <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* | <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* | <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* |
| <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* | <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* | <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* | <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* | <br>*1 - Includes the reclassification of foreign exchange gain or loss generated by hedge positions that neutralize the impacts of exchange rate variation on the fiscal value of our investments abroad.*<br>*2 - Includes Ch$6.6 billion of additional provisions established during the period ended February 28, 2022.* |
| &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  | &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  | &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  | &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  | &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  |
| &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  | &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  | &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  | &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  | &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  |
| &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  | &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  | &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  | &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  | &nbsp;&nbsp;*This financial information shall be considered provisional until the official figures are published by the Commission for the Financial Market.*  |
| &nbsp;&nbsp;**Roxana Zamorano** |  |  | &nbsp;&nbsp; **Gabriel Moura**  | &nbsp;&nbsp; **Gabriel Moura**  |
| &nbsp;&nbsp;*Chief Accounting Officer* |  |  | &nbsp;&nbsp; *Chief Executive Officer*  | &nbsp;&nbsp; *Chief Executive Officer*  |
|  |  |  |  |  |

---

------