Financial Ratios Banco Itaú Chile

Equities

ITAUCL

CL0002841873

Banks

End-of-day quote Santiago S.E. Other stock markets 11/03/2026			5-day change	1st Jan Change
20,400.00 ^CLP	-0.90%		-0.49%	+2.26%

03-02	Banco Itaú Chile, Q4 2025 Earnings Call, Mar 02, 2026
02-26	Banco Itaú Chile Reports Earnings Results for the Full Year Ended December 31, 2025	CI

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Published financial data: BANCO ITAÚ CHILE

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1,651B	2,022B	2,920B	2,699B	2,482B
Interest Income, Total	1,651B	2,022B	2,920B	2,699B	2,482B
Interest On Deposits	711B	1,106B	1,840B	1,637B	1,365B
Interest Expense, Total	711B	1,106B	1,840B	1,637B	1,365B
Net Interest Income	940B	916B	1,079B	1,062B	1,117B
Income From Trading Activities	-	218B	-51.26B	143B	14.52B
Gain (Loss) on Sale of Assets	12.22B	-21.22B	-1.07B	-534M	-13.34B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-32.95B	-918M	579M	-22.95B	50.72B
Income (Loss) on Equity Invest. (Income Block)	-	4.22B	4.56B	3.34B	3.84B
Total Other Non Interest Income	405B	333B	470B	441B	346B
Non Interest Income, Total	384B	533B	423B	563B	401B
Revenues Before Provison For Loan Losses	1,324B	1,449B	1,502B	1,626B	1,518B
Provision For Loan Losses	222B	292B	350B	324B	319B
Total Revenues	1,102B	1,157B	1,152B	1,302B	1,199B
Salaries And Other Employee Benefits	307B	341B	340B	357B	394B
Occupancy Expense	102B	96.19B	106B	109B	107B
Selling General & Admin Expenses, Total	236B	269B	269B	290B	287B
(Income) Loss on Equity Invest.	-1.58B	-	-	-	-
Total Other Non Interest Expense	59.11B	46.82B	45.19B	51.66B	47.04B
Non Interest Expense, Total	702B	754B	761B	808B	835B
EBT, Excl. Unusual Items	401B	403B	391B	494B	364B
Restructuring Charges	-9.39B	-99M	-5.34B	-220M	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-91M	-10M	-608M	-192M	-2M
Insurance Settlements	2.13B	-	-	-	-
Legal Settlements	-2.21B	-1.08B	-524M	-304M	149M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	391B	402B	385B	493B	364B
Income Tax Expense	112B	-31.51B	29.78B	116B	-64.09B
Earnings From Continuing Operations	279B	434B	355B	377B	428B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	279B	434B	355B	377B	428B
Minority Interest	-1B	-41M	4M	-75M	-17M
Net Income - (IS)	278B	434B	355B	377B	428B
Net Income to Common Incl Extra Items	278B	434B	355B	377B	428B
Net Income to Common Excl. Extra Items	278B	434B	355B	377B	428B
Per Share Items
Net EPS - Basic	2.09K	2K	1.64K	1.74K	1.98K
Basic EPS - Continuing Operations	2.09K	2K	1.64K	1.74K	1.98K
Basic Weighted Average Shares Outstanding	133M	216M	216M	216M	216M
Net EPS - Diluted	2.09K	2K	1.64K	1.74K	1.98K
Diluted EPS - Continuing Operations	2.09K	2K	1.64K	1.74K	1.98K
Diluted Weighted Average Shares Outstanding	133M	216M	216M	216M	216M
Normalized Basic EPS	1.87K	1.17K	1.13K	1.43K	1.05K
Normalized Diluted EPS	1.87K	1.17K	1.13K	1.43K	1.05K
Dividend Per Share	385.24	601.49	492.12	522.27	1.19K
Payout Ratio	0	19.21	36.67	30	26.38
American Depositary Receipts Ratio (ADR)	0.33	0.33	0.33	0.33	0.33
Supplemental Items
Effective Tax Rate - (Ratio)	28.73	-7.83	7.74	23.6	-17.61
Total Current Taxes	54.68B	13.82B	57.24B	138B	22.32B
Total Deferred Taxes	53.6B	-34.99B	-27.01B	-21.48B	-85.46B
Normalized Net Income	249B	252B	244B	309B	227B
Non-Cash Pension Expense	447M	-969M	52M	-313M	-144M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	4,086B	4,181B	2,318B	3,048B	3,467B
Investment Securities, Total	3,440B	3,230B	7,019B	4,506B	5,053B
Trading Asset Securities, Total	2,981B	4,013B	3,463B	4,847B	4,769B
Total investments	6,421B	7,243B	10,483B	9,353B	9,822B
Gross Loans	25,294B	26,674B	27,572B	27,890B	28,955B
Allowance For Loan Losses	-799B	-724B	-826B	-835B	-789B
Other Adjustments to Gross Loans	-459B	-	-	-	-
Net Loans	24,037B	25,949B	26,746B	27,055B	28,166B
Gross Property Plant And Equipment	377B	363B	413B	442B	447B
Accumulated Depreciation	-194B	-197B	-243B	-242B	-276B
Net Property Plant And Equipment	183B	166B	170B	200B	171B
Goodwill	493B	493B	493B	493B	493B
Other Intangibles, Total	207B	201B	202B	190B	194B
Investment in Real Estate	-	2.54B	3.47B	2.48B	2.07B
Other Receivables	167B	156B	234B	190B	220B
Restricted Cash	1,174B	1,744B	912B	1,540B	886B
Other Current Assets, Total	627B	49.06B	37.54B	30.89B	38.05B
Deferred Tax Assets Long-Term (Collected)	305B	269B	302B	336B	405B
Other Real Estate Owned And Foreclosed	5.39B	7.88B	17.76B	20.42B	8.24B
Other Long-Term Assets, Total	81.59B	42.3B	52.54B	71.86B	45.3B
Total Assets	37,784B	40,504B	41,970B	42,532B	43,916B
Liabilities
Accounts Payable, Total	435B	-	-	334B	117B
Accrued Expenses, Total	122B	29.59B	34.54B	45.68B	99.21B
Interest Bearing Deposits	12,653B	14,114B	15,517B	15,990B	16,277B
Non-Interest Bearing Deposits	4,664B	3,814B	3,884B	4,427B	4,764B
Total Deposits	17,318B	17,928B	19,401B	20,418B	21,041B
Short-Term Borrowings	3,392B	4,008B	2,993B	4,877B	4,554B
Current Portion of Long-Term Debt	2,285B	2,281B	6,394B	3,429B	3,114B
Current Portion of Leases	25.36B	22.09B	24.1B	27.21B	24.68B
Long-Term Debt	9,438B	10,614B	7,379B	7,783B	7,896B
Long-Term Leases	90.18B	72.48B	59.71B	97.34B	84.42B
Current Income Taxes Payable	1.33B	77M	2.34B	62.25B	5.24B
Other Current Liabilities - (Bank / Utility Template)	864B	1,016B	1,255B	1,033B	1,797B
Unearned Revenue Non Current	16.56B	74.82B	24.52B	29.82B	46.78B
Pension & Other Post Retirement Benefits	27.56B	-	-	-	-
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	417B	1,136B	666B	422B	828B
Total Liabilities	34,432B	37,182B	38,234B	38,557B	39,608B
Common Stock, Total	2,688B	2,688B	2,688B	2,688B	2,688B
Retained Earnings	194B	498B	747B	1,010B	1,293B
Comprehensive Income and Other	395B	134B	299B	273B	324B
Total Common Equity	3,278B	3,320B	3,733B	3,971B	4,305B
Minority Interest	74.54B	2.65B	3.46B	3.52B	3.75B
Total Equity	3,352B	3,323B	3,737B	3,975B	4,309B
Total Liabilities And Equity	37,784B	40,504B	41,970B	42,532B	43,916B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	216M	216M	216M	216M	216M
ECS Total Common Shares Outstanding	216M	216M	216M	216M	216M
Book Value / Share	15.15K	15.35K	17.26K	18.36K	19.9K
Tangible Book Value	2,578B	2,626B	3,039B	3,289B	3,619B
Tangible Book Value Per Share	11.92K	12.14K	14.05K	15.2K	16.73K
Average Loans	-	-	-	-	-
Total Debt	15,231B	16,997B	16,850B	16,213B	15,673B
Deposits at Interest - Cash	5,066B	4,858B	3,980B	4,377B	3,567B
Debt Equivalent of Unfunded Proj. Benefit Obligation	36.92B	27.06B	40.32B	38.48B	38.32B
Net Debt	7,558B	8,640B	10,857B	8,106B	7,240B
Equity Method Investments, Total	13.26B	11.58B	30.74B	40.46B	47.7B
Full Time Employees	7.82K	-	6.83K	-	-
Number Of Offices	292	-	231	-	-
Assets under Capital Lease - Gross	-	16.01B	32.55B	29.35B	25.42B

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	278B	434B	355B	377B	428B
Depreciation, Depletion & Amortization	45.79B	41.47B	41.42B	41.44B	39.98B
Amortization of Goodwill and Intangible Assets - (CF)	21.89B	21.7B	21.7B	11.23B	7.74B
Total Depreciation, Depletion & Amortization	67.68B	63.17B	63.12B	52.67B	47.72B
Amortization of Deferred Charges, Total	33.9B	33.02B	43.33B	56.46B	58.94B
Gain (Loss) on Sale of Loans & Receivables - (CF)	-12.13B	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-86M	2.88B	-	-	-
(Gain) Loss on Sale of Investments - (CF)	65.19B	-77.77B	91.48B	-53.55B	2.82B
Total Asset Writedown	7.18B	26.64B	5.61B	22.88B	28.7B
Provision for Credit Losses	285B	377B	416B	424B	398B
Change in Trading Asset Securities	67.77B	-98.84B	-168B	1,088B	-844B
Change In Deferred Taxes	-	6.08B	-32.6B	-34.72B	-68.09B
Change in Other Net Operating Assets (Collected)	-2,541B	-663B	-1,069B	1,628B	-346B
Other Operating Activities	517B	-512B	-226B	-164B	-295B
Cash from Operations	-1,231B	-409B	-522B	3,397B	-589B
Capital Expenditure	-7.55B	-7.89B	-7.09B	-3.71B	-4.74B
Sale of Property, Plant, and Equipment	98M	4.08B	7.48B	4.87B	6.12B
Cash Acquisitions	-	-	-	-	-
Purchase / Sale of Intangible Assets	-38.62B	-49.92B	-59.4B	-57.43B	-68.29B
Investment in Marketable and Equity Securities, Total	-978M	-350B	386M	-	-
Other Investing Activities, Total	-	1.8B	2.06B	2.15B	42.81B
Cash from Investing	-47.05B	-402B	-56.56B	-54.13B	-24.1B
Short Term Debt Issued, Total	-	1,049B	328B	-	-
Long-Term Debt Issued, Total	1,544B	-	-	825B	870B
Total Debt Issued	1,544B	1,049B	328B	825B	870B
Short Term Debt Repaid, Total	-	-742B	-555B	-	-
Long-Term Debt Repaid, Total	-556B	-89.95B	-124B	-3,767B	-746B
Total Debt Repaid	-556B	-832B	-680B	-3,767B	-746B
Issuance of Common Stock	825B	-	-	-	-
Common Dividends Paid	-2M	-83.32B	-130B	-113B	-113B
Common & Preferred Stock Dividends Paid	-2M	-83.32B	-130B	-113B	-113B
Net Increase (Decrease) in Deposit Accounts - (CF)	43.07B	-	-	-	-
Other Financing Activities, Total	-	-9M	-	-	-
Cash from Financing	1,857B	134B	-481B	-3,056B	10.68B
Foreign Exchange Rate Adjustments	290B	473B	81.71B	199B	-205B
Net Change in Cash	868B	-203B	-978B	486B	-807B
Supplemental Items
Cash Interest Paid	639B	1,062B	1,996B	1,968B	1,502B
Cash Income Tax Paid (Refund)	103B	62.63B	118B	111B	178B
Net Debt Issued / Repaid	988B	218B	-351B	-2,943B	124B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.76	1.11	0.86	0.89	0.99
Return On Equity %	9.71	12.84	10.05	9.77	10.34
Return on Common Equity	9.93	12.99	10.06	9.78	10.34
Shareholders Value Added	-30.03B	54.7B	-43.27B	-74.27B	-60.75B
Margin Analysis
SG&A Margin	55.41	58.3	59.44	55.48	62.51
Net Interest Income / Total Revenues %	85.25	79.18	93.7	81.6	93.15
EBT Excl. Non-Recurring Items Margin %	36.35	34.86	33.96	37.93	30.35
Income From Continuing Operations Margin %	25.29	37.48	30.81	28.93	35.71
Net Income Margin %	25.2	37.48	30.81	28.93	35.71
Net Avail. For Common Margin %	25.2	37.48	30.81	28.93	35.71
Normalized Net Income Margin	22.63	21.79	21.22	23.7	18.97
Asset quality
Nonperforming Loans / Total Loans %	8.79	1.97	2.3	2.24	2.29
Nonperforming Loans / Total Assets %	5.88	1.3	1.51	1.47	1.51
Nonperforming Assets / Total Assets %	5.9	1.32	1.55	1.52	1.53
NPAs / Loans and OREO	8.81	2	2.36	2.32	2.32
NPAs / Equity	66.47	16.05	17.42	16.26	15.57
Allowance for Credit Losses / Net Charge-offs %	430.48	468.11	381.27	315.25	371.86
Allowance for Credit Losses / Nonperforming Loans %	35.92	137.82	130.43	133.37	119
Allowance for Credit Losses / Total Loans %	3.16	2.72	2.99	2.99	2.72
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	119.51	188.7	161.66	122.29	150.58
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.62	8.52	8.55	9.12	9.57
Total Average Equity / Total Average Assets %	7.82	8.62	8.56	9.13	9.58
Total Equity + Allowance for Loan Losses / Total Loans %	16.12	15.16	16.53	17.23	17.59
Gross Loans / Total Deposits %	146.06	148.78	142.11	136.6	137.61
Net Loans / Total Deposits %	138.8	144.74	137.86	132.51	133.86
Tier 1 Capital Ratio %	12.49	10.92	11.05	11.56	13.1
Total Capital Ratio %	16.22	15.26	15.62	15.77	17.7
Core Tier 1 Capital Ratio	11.49	10.42	11.05	10.91	12.16
Tier 2 Capital Ratio	3.73	4.34	4.57	4.21	4.59
Coverage Ratio	49.72	5.25	5.97	6.05	5.59
Leverage Ratio %	-	-	-	-	-
Interbank Ratio	50.75	13.64	11.21	27.54	41.14
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.55	1.36	1.21	1.3	1.27
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	12.39	12.87	17.78	-1.58	5.12
Non Interest Income, 1 Yr. Growth %	60.18	-0.26	-20.69	33.32	-28.76
Provision For Loan Losses, 1 Yr. Growth %	-58.05	16.81	19.91	-7.49	-1.4
Total Revenues, 1 Yr. Growth %	101.31	5.57	-0.47	13.02	-7.92
Earnings From Cont. Operations, 1 Yr. Growth %	-129.7	54.49	-18.19	6.15	13.65
Net Income, 1 Yr. Growth %	-130.02	55.04	-18.18	6.13	13.66
Normalized Net Income, 1 Yr. Growth %	-309.19	-0.45	-3.04	26.21	-26.3
Diluted EPS Before Extra, 1 Yr. Growth %	-125.68	-4.59	-18.2	6.16	13.67
Dividend Per Share, 1 Yr. Growth %	-	56.13	-18.18	6.13	127.33
Gross Loans, 1 Yr. Growth %	9.69	7.44	3.37	1.16	3.75
Allowance For Loan Losses, 1 Yr. Growth %	-11.65	-8.79	14	1.12	-5.54
Net Loans, 1 Yr. Growth %	10.84	7.97	3.07	1.16	4.04
Non Performing Loans, 1 Yr. Growth %	-8.2	14.81	20.45	-1.11	5.86
Non Performing Assets, 1 Yr. Growth %	-8.32	15.18	22	-0.67	3.79
Total Assets, 1 Yr. Growth %	6.02	6.99	3.62	1.34	3.21
Total Deposits, 1 Yr Growth %	-0.03	3.52	8.22	5.24	3.05
Tangible Book Value, 1 Yr. Growth %	61.48	-1.29	15.7	8.24	10.03
Common Equity, 1 Yr. Growth %	41.56	-1.19	12.44	6.38	8.4
Total Equity, 1 Yr. Growth %	40.36	-3.26	12.45	6.38	8.4
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	2.16	4.69	5.15	7.67	1.72
Non Interest Income, 2 Yr. CAGR %	1.09	49.04	4.97	2.83	-2.54
Provision For Loan Losses, 2 Yr. CAGR %	-23.89	-25.67	15.5	5.32	-4.49
Total Revenues, 2 Yr. CAGR %	11.06	45.38	2.45	6.06	2.02
Earnings From Cont. Operations, 2 Yr. CAGR %	49.63	-32.02	13.34	-6.81	9.83
Net Income, 2 Yr. CAGR %	56.32	-31.54	13.93	-6.82	9.83
Normalized Net Income, 2 Yr. CAGR %	62.47	45.4	-0.45	10.62	-3.55
Diluted EPS Before Extra, 2 Yr. CAGR %	44.6	-50.33	-10.66	-6.82	9.85
Dividend Per Share, 2 Yr. CAGR %	-41.24	-	13.02	-6.82	55.32
Gross Loans, 2 Yr. CAGR %	3.24	7.55	5.39	2.26	2.48
Allowance For Loan Losses, 2 Yr. CAGR %	-4.76	-10.48	-6.69	7.36	-2.27
Net Loans, 2 Yr. CAGR %	3.84	9.39	5.84	2.11	2.62
Non Performing Loans, 2 Yr. CAGR %	84.41	-53.41	16.69	9.14	2.32
Non Performing Assets, 2 Yr. CAGR %	82.95	-53.15	17.05	10.09	1.54
Total Assets, 2 Yr. CAGR %	6.03	6.61	5.65	2.47	2.29
Total Deposits, 2 Yr CAGR %	3.39	1.73	5.85	6.72	4.14
Tangible Book Value, 2 Yr. CAGR %	24.73	28.25	9.2	11.9	9.13
Common Equity, 2 Yr. CAGR %	0.71	19.75	7.22	9.37	7.39
Total Equity, 2 Yr. CAGR %	0.39	17.95	6	9.37	7.38
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.92	0.59	7.6	2.85	6.81
Non Interest Income, 3 Yr. CAGR %	1.86	12.32	23.47	13.68	-9.01
Provision For Loan Losses, 3 Yr. CAGR %	-7.47	-8.63	-9.11	7.26	3.03
Total Revenues, 3 Yr. CAGR %	4.3	9	22.63	5.86	1.18
Earnings From Cont. Operations, 3 Yr. CAGR %	18.67	51.59	-24.55	10.89	-0.44
Net Income, 3 Yr. CAGR %	17.48	56.26	-24.01	11.27	-0.44
Normalized Net Income, 3 Yr. CAGR %	18.91	38.69	61	7.74	-3.38
Diluted EPS Before Extra, 3 Yr. CAGR %	11.57	26.16	-38.65	-5.37	-0.43
Dividend Per Share, 3 Yr. CAGR %	-5.28	-18.62	-	10.68	25.44
Gross Loans, 3 Yr. CAGR %	4.62	3.97	6.86	3.96	2.77
Allowance For Loan Losses, 3 Yr. CAGR %	6.07	-6.3	-2.97	-4.15	2.88
Net Loans, 3 Yr. CAGR %	4.82	5.19	7.23	4.26	2.77
Non Performing Loans, 3 Yr. CAGR %	10.36	-7.02	-	10.43	8.04
Non Performing Assets, 3 Yr. CAGR %	9.8	-7.12	-	10.82	7.95
Total Assets, 3 Yr. CAGR %	8.65	6.42	5.6	4.19	2.73
Total Deposits, 3 Yr CAGR %	7.12	3.43	3.85	5.64	5.48
Tangible Book Value, 3 Yr. CAGR %	14.66	16.58	23.75	8.88	11.28
Common Equity, 3 Yr. CAGR %	-0.47	0.9	17.14	6.94	9.05
Total Equity, 3 Yr. CAGR %	-1.87	-0.04	15.97	6.13	9.05
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	8.01	3.2	3.99	3.36	5.21
Non Interest Income, 5 Yr. CAGR %	10.4	14.36	3.05	8.42	12.32
Provision For Loan Losses, 5 Yr. CAGR %	-2.06	-1.53	4.58	-3.28	-7.29
Total Revenues, 5 Yr. CAGR %	11.93	9.36	3.47	7.81	13.92
Earnings From Cont. Operations, 5 Yr. CAGR %	80.7	47.17	16.29	24.78	-12.32
Net Income, 5 Yr. CAGR %	80.73	44.94	15.68	27.07	-11.95
Normalized Net Income, 5 Yr. CAGR %	78.75	81.31	10.5	26.7	31.16
Diluted EPS Before Extra, 5 Yr. CAGR %	66.81	27.54	1.76	11.76	-22.55
Dividend Per Share, 5 Yr. CAGR %	134.39	24.41	1.66	-14.09	-
Gross Loans, 5 Yr. CAGR %	3.08	4.91	4.53	3.28	5.08
Allowance For Loan Losses, 5 Yr. CAGR %	7.37	3.2	4.29	-1.06	-2.69
Net Loans, 5 Yr. CAGR %	3.2	5.54	5.09	3.95	5.36
Non Performing Loans, 5 Yr. CAGR %	15.66	2.61	-17.48	-0.86	-
Non Performing Assets, 5 Yr. CAGR %	15.32	1.71	-17.31	-0.59	-
Total Assets, 5 Yr. CAGR %	5.5	7.64	7.34	4.82	4.27
Total Deposits, 5 Yr CAGR %	1.97	5.22	6.61	4.74	3.96
Tangible Book Value, 5 Yr. CAGR %	10.43	9.76	12.18	14.69	17.68
Common Equity, 5 Yr. CAGR %	0.58	0.67	2.35	4.21	13.14
Total Equity, 5 Yr. CAGR %	-0.42	-0.63	1.04	3.63	12.46