XML 29 R4.htm IDEA: XBRL DOCUMENT v3.25.0.1
Consolidated Statements of Income - CLP ($)
$ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
OPERATING INCOME      
Interest income and inflation $ 4,094,817 $ 4,403,991 $ 4,086,656
Interest expense and inflation (2,308,031) (3,310,942) (2,516,544)
Net interest income 1,786,786 1,093,049 1,570,112
Fee and commission income 960,168 848,513 729,063
Fee and commission expense (413,102) (345,873) (321,794)
Net fee and commission income 547,066 502,640 407,269
Net income from financial operations:      
Net income/(expense) from financial assets and liabilities for trading 85,013 91,761 78,191
Net income from derecognising financial assets and liabilities at amortised cost and financial assets at fair value through other comprehensive income (37,068) (120,934) (1,628)
Net income from exchange, adjustment and hedge accounting of foreign exchange 202,574 331,628 140,615
Net income from financial operations 250,519 302,455 217,178
Income from investments in associates and other companies 10,436 8,763 10,310
Net income from non-current assets and groups available for sale not admissible as discontinued operations 4,049 13,154 8,518
Other operating income 8,048 3,807 5,539
TOTAL OPERATING INCOME 2,606,904 1,923,868 2,218,926
Personnel salaries and expenses (398,819) (412,275) (414,808)
Administrative expenses (366,431) (320,111) (310,219)
Depreciation and amortisation (141,435) (143,762) (129,993)
Impairment of non-financial assets (1,295) (1,912) 0
Other operating expenses (114,739) (31,638) (106,306)
TOTAL OPERATING EXPENSES (1,022,719) (909,698) (961,326)
NET OPERATING INCOME BEFORE CREDIT LOSSES 1,584,185 1,014,170 1,257,600
Provisions for loan losses for interbank loans and account receivable from customers (660,814) (453,458) (441,396)
Provisions for loan losses for contingent loans and others 2,902 24,363 (5,189)
Recovery of loans previously charged-off 153,944 107,069 90,577
Provision for loan losses for other financial assets at amortised cost and financial assets at fair value through OCI (622) (759) (486)
Provision for loan losses (504,590) (322,785) (356,494)
NET OPERATING INCOME BEFORE INCOME TAX 1,079,595 691,385 901,106
Income tax expense (219,745) (97,548) (93,624)
Result of continuing operations 859,850 593,837 807,482
Result of discontinued operations 0 0 0
NET INCOME FOR THE YEAR 859,850 593,837 807,482
Attributable to:      
Shareholders of the Bank 852,964 579,427 792,276
Non-controlling interest $ 6,886 $ 14,410 $ 15,206
Earnings per share from continued operations attributable to shareholders of the Bank:      
Basic earnings (in Pesos per share) $ 4.526 $ 3.075 $ 4.204
Diluted earnings (in Pesos per share) 4.526 3.075 4.204
Earnings per share attributable to shareholders of the Bank:      
Basic earnings (in Pesos per share) 4.526 3.075 4.204
Diluted earnings (in Pesos per share) $ 4.526 $ 3.075 $ 4.204