Scotiabank Chile S.A. (SNSE:SCOTIABKCL)

Scotiabank Chile Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,017,518	2,221,187	2,488,415	1,757,297	1,093,071	1,539,782
Interest Paid on Deposits	1,122,307	1,314,189	1,637,454	1,111,306	312,048	625,585
Net Interest Income	895,211	906,998	850,961	645,991	781,023	914,197
Net Interest Income Growth (YoY)	-4.51%	6.59%	31.73%	-17.29%	-14.57%	5.77%
Income From Trading Activities	201,534	311,096	185,942	115,228	75,865	-
Gain (Loss) on Sale of Assets	-1,065	-1,315	845	4,246	1,665	10,830
Gain (Loss) on Sale of Investments	-2,944	-4,865	1,370	5,898	31,086	8,305
Gain (Loss) on Sale of Equity Investments	4,777	4,592	6,362	6,513	-6,895	-
Other Non-Interest Income	646,703	443,826	525,826	659,153	454,888	336,441
Total Non-Interest Income	849,005	753,334	720,345	791,038	556,609	355,576
Non-Interest Income Growth (YoY)	16.97%	4.58%	-8.94%	42.12%	56.54%	-10.47%
Revenues Before Loan Losses	1,744,216	1,660,332	1,571,306	1,437,029	1,337,632	1,269,773
Provision for Loan Losses	535,345	436,584	421,926	299,660	207,987	328,238
Revenue	1,208,871	1,223,748	1,149,380	1,137,369	1,129,645	941,535
Revenue Growth (YoY)	-1.47%	6.47%	1.06%	0.68%	19.98%	-4.46%
Salaries and Employee Benefits	320,608	311,865	307,418	274,477	284,722	257,512
Occupancy Expenses	76,120	72,716	66,914	60,583	56,424	58,779
Selling, General & Administrative	262,289	260,799	241,090	230,526	207,880	226,257
Other Non-Interest Expense	31,324	25,785	28,182	33,403	34,958	43,175
Total Non-Interest Expense	690,341	671,165	643,604	598,989	583,984	584,104
EBT Excluding Unusual Items	518,530	552,583	505,776	538,380	545,661	357,431
Asset Writedown	-1	-339	-264	-584	-262	-72
Legal Settlements	-42	-444	-613	-1,279	-529	-425
Other Unusual Items	-	-	-	-	-	27
Pretax Income	518,556	551,869	491,177	536,517	544,870	356,961
Income Tax Expense	89,177	94,546	74,612	21,461	94,865	70,592
Earnings From Continuing Operations	429,379	457,323	416,565	515,056	450,005	286,369
Minority Interest in Earnings	10,835	-24,379	-8,604	-27,523	-25,777	-10,950
Net Income	440,214	432,944	407,961	487,533	424,228	275,419
Net Income to Common	440,214	432,944	407,961	487,533	424,228	275,419
Net Income Growth	-1.45%	6.12%	-16.32%	14.92%	54.03%	8.27%
Basic Shares Outstanding	12,246	12,245	12,245	12,245	12,245	12,245
Diluted Shares Outstanding	12,246	12,245	12,245	12,245	12,245	12,245
Shares Change (YoY)	0.02%	-	-	-	-	6.38%
EPS (Basic)	35.95	35.36	33.32	39.82	34.65	22.49
EPS (Diluted)	35.95	35.36	33.32	39.82	34.65	22.49
EPS Growth	-1.47%	6.12%	-16.32%	14.92%	54.03%	1.78%
Dividend Per Share	17.679	17.679	9.995	11.945	13.863	8.997
Dividend Growth	76.87%	76.87%	-16.32%	-13.84%	54.09%	5.66%
Effective Tax Rate	17.20%	17.13%	15.19%	4.00%	17.41%	19.78%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.