SNSE:CONSOGRAL Income Statement

Financials in millions CLP. Fiscal year is January - December.

Millions CLP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period Ending	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	Dec '18 Dec 31, 2018	Dec '17 Dec 31, 2017
Premiums & Annuity Revenue	111,969	96,647	117,829	104,551	87,359
Total Interest & Dividend Income	1,647	1,481	1,497	1,325	1,411
Gain (Loss) on Sale of Investments	-545.97	-854.38	522.67	55.49	500.4
Total Revenue	113,070	97,274	119,848	105,932	89,271
Revenue Growth (YoY)	16.24%	-18.83%	13.14%	18.66%	7.62%
Policy Benefits	74,876	44,734	75,086	58,018	50,046
Policy Acquisition & Underwriting Costs	21,168	19,312	22,148	19,267	17,892
Depreciation & Amortization	-	-	-	-	0.84
Selling, General & Administrative	23,195	24,766	22,564	16,439	14,506
Provision for Bad Debts	1,043	2,400	541.85	-50.78	1,123
Other Operating Expenses	6,417	5,684	4,767	4,489	4,472
Reinsurance Income or Expense	6,921	6,871	5,463	4,997	7,520
Total Operating Expenses	131,545	100,872	129,938	102,395	88,551
Operating Income	-18,475	-3,598	-10,090	3,536	720.32
Currency Exchange Gain (Loss)	416.43	2,334	908.74	1,010	945.72
Other Non Operating Income (Expenses)	7,511	3,192	3,508	2,600	4,300
EBT Excluding Unusual Items	-10,548	1,928	-5,673	7,146	5,966
Gain (Loss) on Sale of Assets	-	-	-	-	16
Pretax Income	-10,548	1,928	-5,673	7,146	5,982
Income Tax Expense	-3,820	312.79	-1,872	1,837	1,513
Net Income	-6,728	1,615	-3,801	5,308	4,469
Net Income to Common	-6,728	1,615	-3,801	5,308	4,469
Net Income Growth	-	-	-	18.79%	12.81%
Shares Outstanding (Basic)	104	104	82	82	82
Shares Outstanding (Diluted)	104	104	82	82	82
Shares Change (YoY)	0.01%	27.18%	-0.00%	0.02%	0.04%
EPS (Basic)	-64.50	15.49	-46.35	64.73	54.50
EPS (Diluted)	-64.50	15.49	-46.35	64.73	54.50
EPS Growth	-	-	-	18.77%	12.77%
Free Cash Flow	537.54	-9,602	10,134	1,379	-614.72
Free Cash Flow Per Share	5.15	-92.07	123.58	16.82	-7.50
Dividend Per Share	-	-	-	19.428	16.355
Dividend Growth	-	-	-	18.79%	12.81%
Operating Margin	-16.34%	-3.70%	-8.42%	3.34%	0.81%
Profit Margin	-5.95%	1.66%	-3.17%	5.01%	5.01%
Free Cash Flow Margin	0.47%	-9.87%	8.46%	1.30%	-0.69%
EBITDA	-18,454	-3,575	-10,042	3,571	773.23
EBITDA Margin	-16.32%	-3.67%	-8.38%	3.37%	0.87%
D&A For EBITDA	20.65	22.63	48.41	34.76	52.91
EBIT	-18,475	-3,598	-10,090	3,536	720.32
EBIT Margin	-16.34%	-3.70%	-8.42%	3.34%	0.81%
Effective Tax Rate	-	16.22%	-	25.71%	25.30%

Updated Mar 4, 2022. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.