v3.25.4
Consolidated Statements of Income - CLP ($)
$ in Millions
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
OPERATING INCOME      
Interest income and inflation $ 3,795,609 $ 4,094,817 $ 4,403,991
Interest expense and inflation (1,808,926) (2,308,031) (3,310,942)
Net interest income 1,986,683 1,786,786 1,093,049
Fee and commission income 1,040,644 960,168 848,513
Fee and commission expense (444,813) (413,102) (345,873)
Net fee and commission income 595,831 547,066 502,640
Net income from financial operations:      
Net income/(expense) from financial assets and liabilities for trading (43,556) 85,013 91,761
Net income from derecognising financial assets and liabilities at amortised cost and financial assets at fair value through other comprehensive income 2,938 (37,068) (120,934)
Net income from exchange, adjustment and hedge accounting of foreign exchange 296,400 202,574 331,628
Net income from financial operations 255,782 250,519 302,455
Income from investments in associates and other companies 9,289 10,436 8,763
Net income from non-current assets and groups available for sale not admissible as discontinued operations 7,243 4,049 13,154
Other operating income 7,016 8,048 3,807
TOTAL OPERATING INCOME 2,861,844 2,606,904 1,923,868
Personnel salaries and expenses (412,902) (398,819) (412,275)
Administrative expenses (387,605) (366,431) (320,111)
Depreciation and amortisation (135,159) (141,435) (143,762)
Impairment of non-financial assets (3,747) (1,295) (1,912)
Other operating expenses (101,703) (114,739) (31,638)
TOTAL OPERATING EXPENSES (1,041,116) (1,022,719) (909,698)
NET OPERATING INCOME BEFORE CREDIT LOSSES 1,820,728 1,584,185 1,014,170
Provisions for loan losses for interbank loans and account receivable from customers (750,537) (660,814) (453,458)
Provisions for loan losses for contingent loans and others (13,466) 2,902 24,363
Recovery of loans previously charged-off 192,640 153,944 107,069
Provision for loan losses for other financial assets at amortised cost and financial assets at fair value through OCI (3,950) (622) (759)
Provision for loan losses (575,313) (504,590) (322,785)
NET OPERATING INCOME BEFORE INCOME TAX 1,245,415 1,079,595 691,385
Income tax expense (207,362) (219,745) (97,548)
Result of continuing operations 1,038,053 859,850 593,837
Result of discontinued operations 0 0 0
NET INCOME FOR THE YEAR 1,038,053 859,850 593,837
Attributable to:      
Shareholders of the Bank 1,021,650 852,964 579,427
Non-controlling interest $ 16,403 $ 6,886 $ 14,410
Earnings per share from continued operations attributable to shareholders of the Bank:      
Basic earnings (in Pesos per share) $ 5.421 $ 4.526 $ 3.075
Diluted earnings (in Pesos per share) 5.421 4.526 3.075
Earnings per share attributable to shareholders of the Bank:      
Basic earnings (in Pesos per share) 5.421 4.526 3.075
Diluted earnings (in Pesos per share) $ 5.421 $ 4.526 $ 3.075