| Other operating Income and Expenses |
| 34. | Other operating income and expenses: |
| a) | During the year 2025, 2024 and 2023, the Bank and its subsidiaries record other operating income, detailed as follows: |
| | |
2025 | | |
2024 | | |
2023 | |
| | |
MCh$ | | |
MCh$ | | |
MCh$ | |
| | |
| | |
| | |
| |
| Expense recovery | |
| 26,688 | | |
| 26,179 | | |
| 26,310 | |
| Indexation of tax refunds from previous years | |
| 11,094 | | |
| 8,451 | | |
| 6,905 | |
| Income from investment property | |
| 6,976 | | |
| 7,147 | | |
| 6,793 | |
| Indexation of monthly tax provisional payments | |
| 2,765 | | |
| 9,771 | | |
| 9,146 | |
| Release of provisions not related to credit risk | |
| — | | |
| — | | |
| 23,355 | |
| Other income | |
| 954 | | |
| 229 | | |
| 430 | |
| Total | |
| 48,477 | | |
| 51,777 | | |
| 72,939 | |
| b) | During the year 2025, 2024 and 2023, the Bank and its subsidiaries present other operating expenses, according to the following: |
| | |
2025 | | |
2024 | | |
2023 | |
| | |
MCh$ | | |
MCh$ | | |
MCh$ | |
| | |
| | |
| | |
| |
| Write-offs for operating risks | |
| 27,568 | | |
| 29,407 | | |
| 30,473 | |
| Expense in insurance premiums to cover operational risk events | |
| 6,634 | | |
| 6,275 | | |
| 5,779 | |
| Expenses for financial lease loan operations | |
| 4,240 | | |
| 6,976 | | |
| 4,071 | |
| Card administration | |
| 3,963 | | |
| 2,209 | | |
| 606 | |
| Legal expenses and lawsuits | |
| 1,884 | | |
| 2,847 | | |
| 3,063 | |
| Write-offs for commercial decisions | |
| 766 | | |
| 407 | | |
| 290 | |
| Provision for pending operations | |
| 514 | | |
| (124 | ) | |
| (117 | ) |
| Provisions for lawsuits and litigation | |
| 445 | | |
| 419 | | |
| (617 | ) |
| Expenses for write-off of leased assets recoveries | |
| 398 | | |
| 195 | | |
| 493 | |
| Life insurance | |
| 320 | | |
| 343 | | |
| 275 | |
| Appraisal expense | |
| 307 | | |
| 256 | | |
| 250 | |
| Renegotiated loan insurance premium | |
| 192 | | |
| 235 | | |
| 290 | |
| (Release) expense on provisions for operational risk | |
| (355 | ) | |
| 558 | | |
| (706 | ) |
| Expense recovery from operational risk events | |
| (13,554 | ) | |
| (14,314 | ) | |
| (9,216 | ) |
| Other expenses | |
| 636 | | |
| 350 | | |
| 1,156 | |
| Total | |
| 33,958 | | |
| 36,039 | | |
| 36,090 | |
|