v3.26.1
Consolidated Statements of Cash Flows - CLP ($)
$ in Millions
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:      
Net operating income, before income tax $ 1,503,801 $ 1,582,077 $ 1,696,141
Income tax (318,388) (333,601) (322,114)
Net income for the year 1,185,413 1,248,476 1,374,027
Debit (credits) to profit or (loss) that do not represent movements in cash flows:      
Depreciation and amortization 95,110 94,601 92,308
Impairment of non-financial assets 1,882 2,851 1,762
Allowances established for credit risk 462,123 421,210 321,829
Provisions for contingent loans (290) (4,200) (53,875)
Impairments for credit risk from financial assets at FVTOCI 4,412 1,009 (2,754)
Fair value of debt financial instruments held for trading at FVTPL (5,183) (1,712) 2,318
Change in deferred tax assets and liabilities (9,721) (1,482) 44,545
Net gain from investments in associates and joint ventures (11,983) (8,730) (13,409)
Net gain on sale of assets received in payments (2,153) (2,361) (1,358)
Net gain on sale of sale of property and equipment (6,685) (938) (2,971)
Write-off of assets received in lieu of payment or foreclosed at judicial auction 225 1,187 485
Net change in exchange rates, interest, indexation and fees accrued on assets and liabilities 478,831 553,399 203,529
Other debits (credits) that do not represent movements in cash flows 25,089 (6,458) (60,160)
Changes due to (increases) decreases in operating assets and liabilities:      
Net decrease (increase) in loans to banks 263,618 1,853,194 (340,369)
Net (increase) in loans to customers (767,847) (1,535,662) (913,796)
Net decrease (increase) in debt financial instruments held for trading at FVTPL (1,396,929) 1,627,801 (55,256)
Net (increase) decrease in other assets and liabilities 249,197 (287,129) (53,404)
Increase (decrease) in deposits and other demand deposits 237,018 942,650 (59,946)
(Decrease) increase in repurchase agreements 179,653 (55,184) (59,972)
(Decrease) increase in deposits and other term deposits (182,985) (1,167,941) 1,288,027
Sale of assets received in lieu of payment 27,280 19,556 14,227
Total net cash from operating activities 826,075 3,694,137 1,725,787
CASH FLOW FROM INVESTING ACTIVITIES:      
Net decrease (increase) in debt financial instruments at FVTOCI (1,473,436) 1,611,197 257,613
Net decrease (increase) in debt financial instruments at amortized cost 380,108 506,337 (493,631)
Payment of principal and interest for obligations under lease contracts (30,897) (29,991) (32,084)
Leasehold improvements (765) (872) (1,993)
Property and equipment purchase (17,937) (16,354) (24,751)
Property and equipment sale 9,065 1,294 3,626
Acquisition of intangibles (58,597) (57,617) (59,955)
Sale of investments in companies 11,791
Dividend received of investments in companies 3,374 3,019 4,675
Total net cash (used in) from investing activities (1,189,085) 2,028,804 (346,500)
CASH FLOWS FROM FINANCING ACTIVITIES:      
Redemption and payment of interest on mortgage finance bonds of credit (350) (639) (1,012)
Redemption and payment of interest on senior bonds (1,990,111) (1,447,751) (1,813,176)
Redemption and payment of interest on subordinated bonds (52,944) (50,637) (52,199)
Issuance of senior bonds 2,742,341 1,012,638 1,224,480
Payment of ordinary share dividends (995,380) (815,932) (866,929)
Increase (decrease) in obligations with foreign banks 318,702 91,361 (42,479)
Increase (decrease) in other financial obligations 88,501 (54,802) (4,646)
Payment of obligations to the Central Bank of Chile (4,348,400)
Payment of other long-term borrowings (17) (58)
Attributable to non-controlling interest:      
Dividends payment and/or withdrawals of paid-in capital related to of the subsidiaries corresponding to the non-controlling interest (1)
Total net cash from (used in) financing activities 110,759 (5,614,179) (1,556,020)
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS FOR THE YEAR (252,251) 108,762 (176,733)
Effect of exchange rate fluctuations on cash and cash equivalents (78,110) 164,743 15,637
Cash and cash equivalents at the beginning of the year 3,264,537 2,991,032 3,152,128
Cash and cash equivalents at the end of the year 2,934,176 3,264,537 2,991,032
Interest operating cash flow:      
Interest and indexation received 3,514,835 3,645,741 3,542,933
Interest and indexation paid $ (1,391,336) $ (1,570,720) $ (1,434,701)