v3.26.1
Administrative Expenses
 12 Months Ended
Dec. 31, 2025
Administrative Expenses [Abstract]  
Administrative expenses
36.Administrative expenses:

 

This line item is composed of the following:

 

   2025   2024   2023 
   MCh$   MCh$   MCh$ 
General administrative expenses               
Information technology and communications   162,788    157,216    142,731 
Maintenance and repair of property and equipment   52,338    51,606    49,699 
External advisory services and professional services fees   11,662    11,252    10,326 
Surveillance and securities transport services   10,854    11,651    11,265 
External financial information and fraud prevention service   8,661    8,129    7,483 
Office supplies   8,483    8,497    8,724 
Legal and notary expenses   7,317    5,799    5,433 
Energy, heating and other utilities   6,844    6,132    5,513 
Expenses for short-term leases   4,856    3,658    3,860 
External service of documentation custody   4,457    4,664    3,943 
Other expenses for obligations under lease contracts   4,099    4,200    4,431 
Postal box, mail, postage and home delivery services   4,080    6,325    4,839 
Insurance premiums except to cover operational risk events   3,792    4,142    4,167 
Representation and travel expenses   3,368    3,191    3,249 
Donations   2,782    3,249    3,251 
Card embossing service   2,168    2,084    1,756 
Fees for other technical reports   1,053    1,063    1,034 
Fees for review and audit of the financial statements by the external auditor   906    873    750 
Expenses for leases of low value   540    549    509 
Title classification fees   168    241    169 
Fines applied by other agencies   58    132    108 
Other general administrative expenses   9,903    9,393    9,354 
                
Outsourced services               
Technological developments expenses, certification and technology testing   21,871    22,323    25,437 
Data processing   11,703    11,133    11,907 
External credit evaluation service   5,041    5,820    5,729 
External collection service   3,551    4,841    4,414 
External human resources administration services and supply of external personnel   1,947    1,820    1,724 
Call Center service for sales, marketing, quality control customer service   766    1,695    2,192 
External cleaning service, cafeteria, custody of files and documents, storage of furniture and equipment   319    473    390 
Sales and distribution services for products   318    
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Other outsource services   1,603    1,144    1,250 
                
Board of Director´s expenses               
Board of Directors’ remuneration   3,641    3,500    3,347 
Other Board of directors’ expenses   80    78    111 
                
Advertising   42,466    33,948    39,617 
                
Taxes, contribution payments and other legal charges               
Contribution to the banking regulator   14,788    15,248    14,785 
Property taxes   5,428    6,020    5,521 
Taxes other than income tax   3,007    2,803    2,530 
Municipal patents   1,880    1,752    1,647 
Other legal charges   47    52    60 
Total   429,633    416,696    403,255