Financial Liabilities at Amortized Cost (Tables)
|
12 Months Ended |
Dec. 31, 2025 |
|---|
| Financial Liabilities at Amortized Cost [Abstract] |
|
| Schedule of Financial Liabilities at Amortized Cost |
The detail of this line item is as
follows:
| | |
2025 | | |
2024 | |
| | |
MCh$ | | |
MCh$ | |
| | |
| | |
| |
| Current accounts and other demand deposits | |
| 14,791,870 | | |
| 14,630,797 | |
| Time deposits and saving accounts | |
| 14,162,408 | | |
| 14,345,223 | |
| Obligations by repurchase agreements | |
| 286,915 | | |
| 109,794 | |
| Borrowings from financial institutions | |
| 1,296,751 | | |
| 1,103,468 | |
| Debt financial instruments issued | |
| 10,800,851 | | |
| 9,690,069 | |
| Other financial obligations | |
| 367,323 | | |
| 284,479 | |
| Total | |
| 41,706,118 | | |
| 40,163,830 | |
|
| Schedule of Current Accounts and Other Demand Deposits |
As of December 31, 2025 and 2024,
the composition of current accounts and other demand deposits is as follows:
| | |
2025 | | |
2024 | |
| | |
MCh$ | | |
MCh$ | |
| Current accounts | |
| 11,775,903 | | |
| 11,769,419 | |
| Other demand obligations | |
| 1,801,047 | | |
| 1,750,048 | |
| Demand deposits accounts | |
| 724,359 | | |
| 652,075 | |
| Other demand deposits | |
| 490,561 | | |
| 459,255 | |
| Total | |
| 14,791,870 | | |
| 14,630,797 | |
|
| Schedule of Composition Saving Accounts and Time Deposits |
As of December 31, 2025 and 2024,
the composition of time deposits and saving accounts is as follows:
| | |
2025 | | |
2024 | |
| | |
MCh$ | | |
MCh$ | |
| Time deposits | |
| 13,546,479 | | |
| 13,764,830 | |
| Term savings accounts | |
| 405,689 | | |
| 374,593 | |
| Other term balances payable | |
| 210,240 | | |
| 205,800 | |
| Total | |
| 14,162,408 | | |
| 14,345,223 | |
|
| Schedule of Repurchase Agreements and Securities Lending |
The Bank obtains financing by selling
financial instruments and agreeing to repurchase them in the future, plus interest at a rate established previously. As of December 31,
2025 and 2024, the repurchase agreements are detailed as follows:
| | |
2025 | | |
2024 | |
| | |
MCh$ | | |
MCh$ | |
| Transactions with domestic banks | |
| | |
| |
| Repurchase agreements with other banks | |
| — | | |
| — | |
| Repurchase agreements with the Central Banks of Chile | |
| — | | |
| — | |
| Obligations from securities lending | |
| — | | |
| — | |
| | |
| | | |
| | |
| Transactions with foreign banks | |
| | | |
| | |
| Repurchase agreements with other banks | |
| — | | |
| — | |
| Repurchase agreements with foreign Central Banks | |
| — | | |
| — | |
| Obligations from securities lending | |
| — | | |
| — | |
| | |
| | | |
| | |
| Transactions with other domestic entities | |
| | | |
| | |
| Repurchase agreements | |
| 286,915 | | |
| 109,794 | |
| Obligations from securities lending | |
| — | | |
| — | |
| | |
| | | |
| | |
| Transactions with other entities abroad | |
| | | |
| | |
| Repurchase agreements | |
| — | | |
| — | |
| Obligations from securities lending | |
| — | | |
| — | |
| Total | |
| 286,915 | | |
| 109,794 | |
|
| Schedule of Borrowings from Financial Institutions |
As of December
31, 2025 and 2024, borrowings from financial institutions are detailed as follows:
| | |
2025 | | |
2024 | |
| | |
MCh$ | | |
MCh$ | |
| | |
| | |
| |
| Foreign banks | |
| | |
| |
| Foreign trade financing | |
| | |
| |
| Bank of America, N.A. | |
| 238,925 | | |
| 124,057 | |
| HSBC Bank | |
| 208,465 | | |
| 245,469 | |
| JP Morgan Chase Bank, N.A. | |
| 168,329 | | |
| — | |
| Caixabank S.A. | |
| 147,091 | | |
| 201,802 | |
| Citibank N.A. | |
| 137,114 | | |
| 2,189 | |
| Zurcher Kantonalbank | |
| 108,803 | | |
| 90,386 | |
| The Bank of New York Mellon | |
| 85,533 | | |
| 240,008 | |
| Standard Chartered Bank (Hong Kong) Limited | |
| 63,261 | | |
| — | |
| Standard Chartered Bank | |
| 2,086 | | |
| 2,685 | |
| Commerzbank AG | |
| 839 | | |
| 1,417 | |
| Wells Fargo Bank N.A. | |
| 50 | | |
| 1,890 | |
| DZ Bank AG Deutsche | |
| — | | |
| 41,646 | |
| MUFG Bank, LTD | |
| — | | |
| 71 | |
| | |
| | | |
| | |
| Borrowings and other obligations | |
| | | |
| | |
| Wells Fargo Bank, N.A. | |
| 136,255 | | |
| 150,775 | |
| Citibank N.A. United Kingdom | |
| — | | |
| 986 | |
| Deutsche Bank Trust Company Americas | |
| — | | |
| 87 | |
| Subtotal foreign banks | |
| 1,296,751 | | |
| 1,103,468 | |
| | |
| | | |
| | |
| Banco Central de Chile (the Central Bank of Chile) | |
| — | | |
| — | |
| | |
| | | |
| | |
| Total | |
| 1,296,751 | | |
| 1,103,468 | |
|
| Schedule of Composition of Debt Financial Instruments Issued |
As of December 31, 2025
and 2024, the composition of debt financial instruments issued as follows:
| | |
2025 | | |
2024 | |
| | |
MCh$ | | |
MCh$ | |
| | |
| | |
| |
| Mortgage finance bonds | |
| | |
| |
| Mortgage finance bonds for housing | |
| 521 | | |
| 849 | |
| Mortgage finance bonds for general purposes | |
| — | | |
| 1 | |
| | |
| | | |
| | |
| Bonds | |
| | | |
| | |
| Senior bonds | |
| 10,800,330 | | |
| 9,689,219 | |
| Mortgage bonds | |
| — | | |
| — | |
| Total | |
| 10,800,851 | | |
| 9,690,069 | |
|
| Schedule of Short-Term Bonds |
Short-term Bonds
| Counterparty | | Currency | | Amount
MCh$ | | | Annual
interest
rate % | | | Date of
issuance | | Maturity
date | | | | | | | | | | | | | | | | Wells Fargo Bank | | USD | | | 98,630 | | | | 4.68 | | | 01/27/2025 | | 05/02/2025 | | Wells Fargo Bank | | USD | | | 98,630 | | | | 4.65 | | | 01/27/2025 | | 08/01/2025 | | Wells Fargo Bank | | USD | | | 92,519 | | | | 4.55 | | | 03/07/2025 | | 04/07/2025 | | Wells Fargo Bank | | USD | | | 9,252 | | | | 4.45 | | | 03/07/2025 | | 09/05/2025 | | Wells Fargo Bank | | USD | | | 93,634 | | | | 4.60 | | | 06/25/2025 | | 10/01/2025 | | Wells Fargo Bank | | USD | | | 93,062 | | | | 4.55 | | | 06/26/2025 | | 11/03/2025 | | Wells Fargo Bank | | USD | | | 4,653 | | | | 4.55 | | | 06/26/2025 | | 07/31/2025 | | Wells Fargo Bank | | USD | | | 96,646 | | | | 4.45 | | | 08/05/2025 | | 12/08/2025 | | Wells Fargo Bank | | USD | | | 94,372 | | | | 4.10 | | | 10/28/2025 | | 02/06/2026 | | Wells Fargo Bank | | USD | | | 46,310 | | | | 4.20 | | | 11/26/2025 | | 12/29/2025 | | Wells Fargo Bank | | USD | | | 91,487 | | | | 4.01 | | | 12/29/2025 | | 04/02/2026 | | Total | | | | | 819,195 | | | | | | | | | | Short-term Bonds
| Counterparty | | Currency | | Amount
MCh$ | | | Annual interest
rate % | | Issued
date | | Maturity
date | | Wells Fargo Bank | | USD | | | 28,049 | | | 5,46 | | 05/07/2024 | | 08/07/2024 | | Total | | | | | 28,049 | | | | | | | |
|
| Schedule of Long-Term Current Bonds |
Long-Term Bonds
| Series | | Currency | | Amount
MCh$ | | | Terms
Years | | | Annual
interest
rate % | | | Date of
issuance | | Maturity
date | | BCHIFC0721 | | UF | | | 22,830 | | | | 5 | | | | 2.97 | | | 03/17/2025 | | 01/01/2030 | | BCHIFC0721 | | UF | | | 11,422 | | | | 5 | | | | 2.97 | | | 03/20/2025 | | 01/01/2030 | | BCHIFC0721 | | UF | | | 40,001 | | | | 5 | | | | 2.97 | | | 03/21/2025 | | 01/01/2030 | | BCHIFC0721 | | UF | | | 30,548 | | | | 5 | | | | 2.96 | | | 04/01/2025 | | 01/01/2030 | | BCHIFO0721 | | UF | | | 34,577 | | | | 7 | | | | 2.92 | | | 04/03/2025 | | 01/01/2032 | | BCHIFH1221 | | UF | | | 33,047 | | | | 6 | | | | 2.84 | | | 04/15/2025 | | 12/01/2030 | | BCHIGG1121 | | UF | | | 38,413 | | | | 10 | | | | 3.03 | | | 04/17/2025 | | 05/01/2035 | | BCHIHD0424 | | UF | | | 81,115 | | | | 10 | | | | 3.03 | | | 04/17/2025 | | 10/01/2034 | | BCHIFH1221 | | UF | | | 11,679 | | | | 6 | | | | 2.92 | | | 05/07/2025 | | 12/01/2030 | | BCHIGG1121 | | UF | | | 5,712 | | | | 10 | | | | 3.03 | | | 05/09/2025 | | 05/01/2035 | | BCHIHN1223 | | UF | | | 12,517 | | | | 15 | | | | 3.06 | | | 05/09/2025 | | 12/01/2039 | | BCHIFA0222 | | UF | | | 22,900 | | | | 3 | | | | 2.77 | | | 05/30/2025 | | 08/01/2028 | | BCHIFH1221 | | UF | | | 9,575 | | | | 6 | | | | 3.06 | | | 05/30/2025 | | 12/01/2030 | | BCHIFH1221 | | UF | | | 13,407 | | | | 6 | | | | 3.06 | | | 06/02/2025 | | 12/01/2030 | | BCHIFH1221 | | UF | | | 9,581 | | | | 6 | | | | 3.05 | | | 06/02/2025 | | 12/01/2030 | | BCHIFH1221 | | UF | | | 8,667 | | | | 6 | | | | 3.04 | | | 06/03/2025 | | 12/01/2030 | | BCHIFH1221 | | UF | | | 4,145 | | | | 6 | | | | 3.04 | | | 06/06/2025 | | 12/01/2030 | | BCHIFH1221 | | UF | | | 25,567 | | | | 6 | | | | 3.04 | | | 06/10/2025 | | 12/01/2030 | | BCHIFO0721 | | UF | | | 19,306 | | | | 7 | | | | 3.06 | | | 06/10/2025 | | 01/01/2032 | | BCHIGG1121 | | UF | | | 23,174 | | | | 10 | | | | 3.15 | | | 07/03/2025 | | 05/01/2035 | | BCHICI0815 | | UF | | | 19,989 | | | | 8 | | | | 3.14 | | | 07/09/2025 | | 02/01/2033 | | BCHICG0815 | | UF | | | 49,639 | | | | 7 | | | | 3.14 | | | 07/10/2025 | | 08/01/2032 | | BCHICH1215 | | UF | | | 15,721 | | | | 8 | | | | 3.14 | | | 07/10/2025 | | 12/01/2032 | | BCHICI0815 | | UF | | | 5,996 | | | | 8 | | | | 3.14 | | | 07/10/2025 | | 02/01/2033 | | BCHIHW1223 | | UF | | | 65,578 | | | | 19 | | | | 3.21 | | | 07/15/2025 | | 06/01/2044 | | BCHIGB0322 | | UF | | | 8,589 | | | | 9 | | | | 3.18 | | | 07/17/2025 | | 09/01/2034 | | BCHIGB0322 | | UF | | | 9,557 | | | | 9 | | | | 3.16 | | | 07/18/2025 | | 09/01/2034 | | BCHIGB0322 | | UF | | | 5,747 | | | | 9 | | | | 3.13 | | | 07/21/2025 | | 09/01/2034 | | BCHIGB0322 | | UF | | | 19,187 | | | | 9 | | | | 3.11 | | | 07/22/2025 | | 09/01/2034 | | BCHIGG1121 | | UF | | | 5,718 | | | | 10 | | | | 3.11 | | | 07/22/2025 | | 05/01/2035 | | BCHIHW1223 | | UF | | | 18,489 | | | | 19 | | | | 3.19 | | | 07/22/2025 | | 06/01/2044 | | BCHIGG1121 | | UF | | | 3,870 | | | | 10 | | | | 2.99 | | | 08/22/2025 | | 05/01/2035 | | BCHIHN1223 | | UF | | | 22,894 | | | | 15 | | | | 3.06 | | | 08/27/2025 | | 12/01/2039 | | BCHIGG1121 | | UF | | | 15,519 | | | | 10 | | | | 3.01 | | | 09/04/2025 | | 05/01/2035 | | BCHIHW1223 | | UF | | | 8,374 | | | | 19 | | | | 3.12 | | | 09/04/2025 | | 06/01/2044 | | BCHIGA1121 | | UF | | | 38,815 | | | | 9 | | | | 3.05 | | | 09/05/2025 | | 05/01/2034 | | BCHIGD0721 | | UF | | | 153,769 | | | | 10 | | | | 3.09 | | | 09/05/2025 | | 01/01/2035 | | BCHIHI1223 | | UF | | | 206,194 | | | | 12 | | | | 3.13 | | | 09/05/2025 | | 06/01/2037 | | BCHIGA1121 | | UF | | | 31,211 | | | | 9 | | | | 2.99 | | | 09/11/2025 | | 05/01/2034 | | BCHIGA1121 | | UF | | | 1,951 | | | | 9 | | | | 2.99 | | | 09/15/2025 | | 05/01/2034 | | BCHIHW1223 | | UF | | | 23,076 | | | | 19 | | | | 3.12 | | | 09/15/2025 | | 06/01/2044 | | BCHIHN1223 | | UF | | | 41,978 | | | | 14 | | | | 3.03 | | | 09/16/2025 | | 12/01/2039 | | BCHIFU0522 | | UF | | | 64,527 | | | | 7 | | | | 2.91 | | | 09/17/2025 | | 11/01/2032 | | BCHIGA1121 | | UF | | | 21,475 | | | | 9 | | | | 2.99 | | | 09/17/2025 | | 05/01/2034 | | BCHIFU0522 | | UF | | | 31,288 | | | | 7 | | | | 2.91 | | | 09/22/2025 | | 11/01/2032 | | BCHIGA1121 | | UF | | | 5,862 | | | | 9 | | | | 2.98 | | | 09/22/2025 | | 05/01/2034 | | BCHIHH1223 | | UF | | | 87,021 | | | | 11 | | | | 3.08 | | | 09/22/2025 | | 12/01/2036 | | BCHIHH1223 | | UF | | | 66,367 | | | | 11 | | | | 3.07 | | | 09/23/2025 | | 12/01/2036 | | BCHIFU0522 | | UF | | | 5,873 | | | | 7 | | | | 2.90 | | | 09/25/2025 | | 11/01/2032 | | BCHIGA1121 | | UF | | | 25,525 | | | | 9 | | | | 2.99 | | | 10/28/2025 | | 05/01/2034 | | BCHIHW1223 | | UF | | | 6,410 | | | | 19 | | | | 3.03 | | | 10/28/2025 | | 06/01/2044 | | BCHIHW1223 | | UF | | | 12,850 | | | | 19 | | | | 3.02 | | | 10/30/2025 | | 06/01/2044 | | BCHIFU0522 | | UF | | | 15,573 | | | | 7 | | | | 2.89 | | | 11/06/2025 | | 11/01/2032 | | Subtotal UF | | | | | 1,572,815 | | | | | | | | | | | | | | Long-Term Bonds
| Series | | Currency | | Amount
MCh$ | | | Terms
Years | | Annual interest
rate % | | Date of
issuance | | Maturity
date | | BONO CHF | | CHF | | | 115,739 | | | 6 | | 1.1875 | | 06/17/2025 | | 07/15/2031 | | BONO JPY | | JPY | | | 65,260 | | | 5 | | 1.635 | | 06/18/2025 | | 06/27/2030 | | BONO MXN | | MXN | | | 50,998 | | | 5 | | TIIE (28 days) + 1.05 | | 07/09/2025 | | 07/17/2030 | | BONO AUD | | AUD | | | 43,101 | | | 10 | | BBSW3M +1.28 | | 10/22/2025 | | 10/30/2035 | | BONO HKD | | HKD | | | 75,233 | | | 7 | | 3.735 | | 10/30/2025 | | 11/12/2032 | | Subtotal other currencies | | | | | 350,331 | | | | | | | | | | | Total | | | | | 1,923,146 | | | | | | | | | | | Serie | | Currency | | Amount
MCh$ | | | Terms
Years | | Annual interest
rate % | | Issued
date | | Maturity
date | | BCHIEZ1121 | | UF | | | 107,462 | | | 4 | | 3.72 | | 01/15/2024 | | 05/01/2028 | | BCHIEZ1121 | | UF | | | 31,197 | | | 4 | | 3.72 | | 01/16/2024 | | 05/01/2028 | | BCHICE1215 | | UF | | | 21,998 | | | 7 | | 3.20 | | 01/31/2024 | | 12/01/2031 | | BCHICH1215 | | UF | | | 7,350 | | | 8 | | 3.15 | | 02/08/2024 | | 12/01/2032 | | BCHIFA0222 | | UF | | | 32,349 | | | 4 | | 3.25 | | 03/15/2024 | | 08/01/2028 | | BCHIFA0222 | | UF | | | 19,518 | | | 4 | | 3.32 | | 03/21/2024 | | 08/01/2028 | | BCHIEY1021 | | UF | | | 12,474 | | | 4 | | 3.29 | | 03/22/2024 | | 04/01/2028 | | BCHIFA0222 | | UF | | | 14,228 | | | 4 | | 3.29 | | 03/25/2024 | | 08/01/2028 | | BCHIGG1121 | | UF | | | 12,345 | | | 11 | | 3.35 | | 03/26/2024 | | 05/01/2035 | | BCHIFA0222 | | UF | | | 3,566 | | | 4 | | 3.24 | | 03/27/2024 | | 08/01/2028 | | BCHIEY1021 | | UF | | | 17,696 | | | 4 | | 3.28 | | 04/04/2024 | | 04/01/2028 | | BCHIEX0122 | | UF | | | 9,231 | | | 1 | | 3.10 | | 04/12/2024 | | 07/01/2025 | | BCHIEX0122 | | UF | | | 14,793 | | | 1 | | 3.02 | | 04/17/2024 | | 07/01/2025 | | BCHIHX1223 | | UF | | | 32,225 | | | 20 | | 3.49 | | 05/08/2024 | | 12/01/2044 | | BCHIHX1223 | | UF | | | 11,376 | | | 20 | | 3.49 | | 05/09/2024 | | 12/01/2044 | | BCHIHX1223 | | UF | | | 5,727 | | | 20 | | 3.46 | | 05/17/2024 | | 12/01/2044 | | BCHIHX1223 | | UF | | | 15,283 | | | 20 | | 3.46 | | 05/22/2024 | | 12/01/2044 | | BCHIHX1223 | | UF | | | 37,202 | | | 20 | | 3.55 | | 06/04/2024 | | 12/01/2044 | | BCHIFO0721 | | UF | | | 3,575 | | | 8 | | 3.48 | | 06/06/2024 | | 01/01/2032 | | BCHIEY1021 | | UF | | | 3,606 | | | 4 | | 3.20 | | 06/10/2024 | | 04/01/2028 | | BCHIGG1121 | | UF | | | 8,366 | | | 11 | | 3.53 | | 06/11/2024 | | 05/01/2035 | | BCHIFB1021 | | UF | | | 21,220 | | | 5 | | 3.35 | | 06/12/2024 | | 04/01/2029 | | BCHIEY1021 | | UF | | | 12,648 | | | 4 | | 3.29 | | 07/09/2024 | | 04/01/2028 | | BCHIFB1021 | | UF | | | 39,504 | | | 5 | | 3.50 | | 07/09/2024 | | 04/01/2029 | | BCHIFB1021 | | UF | | | 1,796 | | | 5 | | 3.49 | | 07/09/2024 | | 04/01/2029 | | BCHIFB1021 | | UF | | | 5,399 | | | 5 | | 3.45 | | 07/10/2024 | | 04/01/2029 | | BCHIFC0721 | | UF | | | 37,442 | | | 6 | | 3.47 | | 07/11/2024 | | 01/01/2030 | | BCHIFC0721 | | UF | | | 7,147 | | | 6 | | 3.43 | | 07/12/2024 | | 01/01/2030 | | BCHIHX1223 | | UF | | | 7,550 | | | 20 | | 3.50 | | 07/18/2024 | | 12/01/2044 | | BCHIFB1021 | | UF | | | 25,454 | | | 5 | | 3.23 | | 07/23/2024 | | 04/01/2029 | | BCHIFA0222 | | UF | | | 18,404 | | | 4 | | 3.04 | | 07/24/2024 | | 08/01/2028 | | BCHIFO0721 | | UF | | | 19,198 | | | 8 | | 2.50 | | 09/27/2024 | | 01/01/2032 | | BCHIHX1223 | | UF | | | 94,840 | | | 20 | | 2.36 | | 09/30/2024 | | 12/01/2044 | | BCHIHP1223 | | UF | | | 220,035 | | | 16 | | 2.37 | | 10/01/2024 | | 12/01/2040 | | Subtotal | | | | | 932,204 | | | | | | | | | | | | | | | | | | | | | | | | | | | BONO HKD | | | | | 52,385 | | | 10 | | 4.22 | | 02/02/2024 | | 02/09/2034 | | Subtotal other currencies | | | | | 52,385 | | | | | | | | | | | Total | | | | | 984,589 | | | | | | | | | |
|
| Schedule of Other Financial Obligations |
As of December
31, 2025 and 2024, the detail of other financial obligations as follows:
| | |
2025 | | |
2024 | |
| | |
MCh$ | | |
MCh$ | |
| | |
| | |
| |
| Other financial obligations in Chile | |
| 367,323 | | |
| 284,479 | |
| Other financial obligations with the public sector | |
| — | | |
| — | |
| Total | |
| 367,323 | | |
| 284,479 | |
|