v3.25.4
Expected Credit Losses Allowance
 12 Months Ended
Dec. 31, 2025
Expected Credit Losses Allowance [Abstract]  
Expected Credit Losses Allowance EXPECTED CREDIT LOSSES ALLOWANCE
As of December 31, 2025, 2024 and 2023, under the credit risk model established by IFRS 9 the ECL allowance by stage recorded at income statements is as follows:
For the year ended December 31, 2025 *
Stage 1 Stage 2 Stage 3
Corporate Other **
commercial 		Corporate Other **
commercial		CorporateOther **
commercial 		TOTAL
MCh$ MCh$ MCh$ MCh$ MCh$MCh$ MCh$
Commercial loans2,831 8,750 (13,573)84 (67,015)(193,570)(262,493)
Mortgage loans- (6,316)- (3,546)- (75,487)(85,349)
Consumer loans- (7,463)- (13,620)- (381,612)(402,695)
Contingent loans1,181 (10,730)(159)(5,223)2,529 (1,064)(13,466)
Repurchase agreements(115)- - - - - (115)
Loans and account receivable at FVOCI(154)- 312 - (3,657)- (3,499)
Debt at FVOCI(214)- - - - - (214)
Debt at amortised cost(122)- - - - - (122)
Subtotal3,407 (15,759)(13,420)(22,305)(68,143)(651,733)(767,953)
Recovery of loans previously charged-off
192,640 
TOTAL
(575,313)
*Includes overlays for an amount of MCh$119,776 to cover certain defaulted loans from mortgage and other commercial portfolios. See Note 37, Risk management.
**Includes Other Commercial, Mortgages and Consumer.

For the year ended December 31, 2024 *
Stage 1 Stage 2 Stage 3
CorporateOther **
 commercial 		Corporate Other **
 commercial 		CorporateOther **
commercial		TOTAL
MCh$MCh$ MCh$ MCh$ MCh$MCh$MCh$
Commercial loans(3,447)(9,814)(842)(3,100)(84,997)(147,393)(249,593)
Mortgage loans- (1,515)- (6,783)- (45,276)(53,574)
Consumer loans- 1,347 - (6,022)- (352,972)(357,647)
Contingent loans(696)3,152 (91)(653)963 227 2,902 
Loans and account receivable at FVOCI(1,040)- - - - - (1,040)
Debt at FVOCI(188)- - - - - (188)
Debt at amortised cost606 - - - - - 606 
Subtotal(4,765)(6,830)-933 (16,558)(84,034)(545,414)(658,534)
Recovery of loans previously charged-off153,944 
TOTAL(504,590)
*Includes overlays for an amount of MCh$89,994 for future macro-economic information and scenarios updates. See Note 37, Risk management.
**Includes Other Commercial, Mortgages and Consumer
NOTE 33 - EXPECTED CREDIT LOSSES ALLOWANCE, continued
For the year ended December 31, 2023
Stage 1 Stage 2 Stage 3
CorporateOthers **
 commercial 		CorporateOthers
 commercial 		Corporate Others**
 commercial 		TOTAL
MCh$MCh$ MCh$MCh$ MCh$ MCh$ MCh$
Commercial loans(132)3,898 19,358 (4,686)(92,539)(81,616)(155,717)
Mortgage loans- 4,582 - 1,213 - (97,364)(91,569)
Consumer loans- (29,029)- (57,262)- (119,881)(206,172)
Contingent loans1,184 14,256 6,316 1,834 (816)1,589 24,363 
Loans and account receivable at FVOCI201 - - - - - 201 
Debt at FVOCI- 78 - - - - 78 
Debt at amortised cost- (1,038)- - - - (1,038)
Total1,253 (7,253)25,674 (58,901)(93,355)(297,272)(429,854)
Recovery of loans previously charged-off 107,069 
TOTAL (322,785)
**Includes Other Commercial, Mortgages and Consumer.