Property and Equipment

12 Months Ended

Dec. 31, 2025

14.	Property and Equipment:

(a)

The properties and equipment as of December 31, 2025 and 2024 are composed as follows:

	Average useful Life		Average remaining depreciation		Gross balance				Accumulated Depreciation						Net balance
	2025	2024	2025	2024	2025		2024		2025			2024			2025		2024
	Years	Years	Years	Years	MCh$		MCh$		MCh$			MCh$			MCh$		MCh$
Class of property and equipment:
Land and buildings	25	26	17	18		324,366		327,862		(175,899	)		(173,132	)		148,467		154,730
Equipment	5	5	3	3		259,367		261,142		(236,924	)		(236,146	)		22,443		24,996
Others	7	7	4	4		60,170		63,198		(51,666	)		(53,851	)		8,504		9,347
Total						643,903		652,202		(464,489	)		(463,129	)		179,414		189,073

(b)

Changes in property and equipment as of December 31, 2025 and 2024, are detailed as follows:

	December 2025
	Land and Buildings			Equipment			Others			Total
	MCh$			MCh$			MCh$			MCh$
Gross Balance
Balance as of January 1, 2025		327,862			261,142			63,198			652,202
Reclassification		1,222			309			(1,531	)		—
Additions		6,161			9,854			1,922			17,937
Disposals and sales for the year		(10,853	)		(6,138	)		(3,413	)		(20,404	)
Transfers		—			(5,567	)		—			(5,567	)
Impairment (**)		(26	)		(233	)		(6	)		(265	)
Total		324,366			259,367			60,170			643,903

Accumulated Depreciation
Balance as of January 1, 2025		(173,132	)		(236,146	)		(53,851	)		(463,129	)
Reclassification		(1,150	)		(173	)		1,323			—
Depreciation for the year (*)		(9,807	)		(11,379	)		(2,458	)		(23,644	)
Disposals and sales for the year		8,190			5,719			3,320			17,229
Transfers		—			5,055			—			5,055
Total		(175,899	)		(236,924	)		(51,666	)		(464,489	)
Balance as of December 31, 2025		148,467			22,443			8,504			179,414

	December 2024
	Land and Buildings			Equipment			Others			Total
	MCh$			MCh$			MCh$			MCh$
Gross Balance
Balance as of January 1, 2024		322,766			256,933			61,118			640,817
Additions		7,369			5,286			3,699			16,354
Disposals and sales for the year		(2,273	)		(1,075	)		(1,619	)		(4,967	)
Impairment () (*)		—			(2	)		—			(2	)
Total		327,862			261,142			63,198			652,202

Accumulated Depreciation
Balance as of January 1, 2024		(165,286	)		(221,083	)		(52,791	)		(439,160	)
Depreciation for the year (*)		(9,725	)		(15,881	)		(2,566	)		(28,172	)
Disposals and sales for the year		1,879			818			1,506			4,203
Total		(173,132	)		(236,146	)		(53,851	)		(463,129	)
Balance as of December 31, 2024		154,730			24,996			9,347			189,073

(*)	See Note No. 37 about Depreciation and Amortization.

(**)	See Note No. 38 Impairment of non-financial assets.

(***)

Does not include provision for write-off of Property for Ch$1,119 million as of December 31, 2024.

(c)

As of December 31, 2025, the Bank records Ch$10,920 million (Ch$5,510 million as of December 31, 2024) in assets under commissioning.

(d)

As of December 31, 2025 and 2024, there are no restrictions on the properties and equipment of the Bank and its subsidiaries. Furthermore, there are no properties and equipment held as collateral for the fulfillment of obligations.