| Administrative Expenses |
ADMINISTRATIVE EXPENSES For the years ended December 31, 2025, 2025 and 2024, the composition of the item is as follows: | | | | | | | | | | | | | | | | | | | | | | For the years ended December 31, | | | 2025 | | 2024 | | 2023 | | | MCh$ | | MCh$ | | MCh$ | | | General administrative expenses | | | | | | | | Maintenance and repair of property, plant and equipment | (23,941) | | | (26,478) | | | (23,720) | | | | Short term leases contracts | (16,203) | | | (18,558) | | | (9,712) | | | | Other expenses related to leases contracts | (55) | | | (31) | | | (87) | | | | Insurance payments | (5,091) | | | (5,854) | | | (4,839) | | | | Office supplies | (5,524) | | | (4,267) | | | (5,426) | | | | IT and communication expenses | (117,232) | | | (99,902) | | | (83,898) | | | | Heating, and other utilities | (6,529) | | | (5,652) | | | (5,388) | | | | Security and valuables transport services | (16,049) | | | (20,914) | | | (19,893) | | | | Representation and personnel travel expenses | (4,067) | | | (2,901) | | | (3,140) | | | | Judicial and notarial expenses | (1,245) | | | (1,446) | | | (1,282) | | | | Fees for technical reports, assessments and auditing | (7,634) | | | (8,505) | | | (6,450) | | | | Fines applied by FMC and other agencies | - | | | (15) | | | (29) | | | | Other general administrative expenses | (21,026) | | | (20,786) | | | (20,708) | | | | Subtotal | (224,596) | | | (215,309) | | | (184,572) | | | | Outsourced services | | | | | | | | Data processing | (67,634) | | | (48,017) | | | (44,677) | | | | Technological development, certification and testing service | (1,411) | | | (4,290) | | | (3,629) | | | | Administration and supply of external human resources | - | | | (73) | | | (36) | | | | Call center for sale, marketing and control quality of client’ services | - | | | - | | | (7) | | | | External collection services | (317) | | | (294) | | | (308) | | | | External ATM administration and maintenance services | (248) | | | (531) | | | (504) | | | | External cleaning, cafeteria, custody, storage services | (3,718) | | | (3,724) | | | (3,837) | | | | Product sale and distribution services | - | | | - | | | - | | | | External credit evaluation services | (3,004) | | | (4,773) | | | (5,347) | | | | Other | (42,961) | | | (40,892) | | | (30,532) | | | | Subtotal | (119,293) | | | (102,594) | | | (88,877) | | | | Board expenses | (1,796) | | | (1,794) | | | (1,711) | | | | Marketing expenses | (21,103) | | | (23,262) | | | (23,555) | | | | Taxes, payroll taxes, and contributions | | | | | | | | Real estate taxes | (2,266) | | | (3,801) | | | (2,185) | | | | Patents | (1,852) | | | (2,255) | | | (2,698) | | | | Other taxes | (187) | | | (1) | | | (5) | | | | Oversight contributions to the regulator | (16,512) | | | (17,415) | | | (16,508) | | | | Subtotal | (20,817) | | | (23,472) | | | (21,396) | | | | Total | (387,605) | | | (366,431) | | | (320,111) | | |
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