Scotiabank Chile Income Statement

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

Millions CLP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	1,931,684	2,019,026	2,221,187	2,488,415	1,757,297	1,093,071
Interest Paid on Deposits	1,058,685	1,081,208	1,314,189	1,637,454	1,111,306	312,048
Net Interest Income	872,999	937,818	906,998	850,961	645,991	781,023
Net Interest Income Growth (YoY)	-5.46%	3.40%	6.59%	31.73%	-17.29%	-14.57%
Income From Trading Activities	65,842	-14,274	311,096	185,942	115,228	75,865
Gain (Loss) on Sale of Assets	-3,649	-2,900	-1,315	845	4,246	1,665
Gain (Loss) on Sale of Investments	-6,779	-6,760	-4,865	1,370	5,898	31,086
Gain (Loss) on Sale of Equity Investments	4,701	4,719	4,592	6,362	6,513	-6,895
Other Non-Interest Income	801,690	808,736	443,826	525,826	659,153	454,888
Total Non-Interest Income	861,805	789,521	753,334	720,345	791,038	556,609
Non-Interest Income Growth (YoY)	17.47%	4.80%	4.58%	-8.94%	42.12%	56.54%
Revenues Before Loan Losses	1,734,804	1,727,339	1,660,332	1,571,306	1,437,029	1,337,632
Provision for Loan Losses	501,445	545,770	436,584	421,926	299,660	207,987
Revenue	1,233,359	1,181,569	1,223,748	1,149,380	1,137,369	1,129,645
Revenue Growth (YoY)	7.73%	-3.45%	6.47%	1.06%	0.68%	19.98%
Salaries and Employee Benefits	320,838	319,822	311,865	307,418	274,477	284,722
Occupancy Expenses	76,665	76,725	72,716	66,914	60,583	56,424
Selling, General & Administrative	264,258	259,308	260,799	241,090	230,526	207,880
Other Non-Interest Expense	22,854	25,961	25,785	28,182	33,403	34,958
Total Non-Interest Expense	684,615	681,816	671,165	643,604	598,989	583,984
EBT Excluding Unusual Items	548,744	499,753	552,583	505,776	538,380	545,661
Asset Writedown	4,309	-	-339	-264	-584	-262
Legal Settlements	-708	-708	-444	-613	-1,279	-529
Pretax Income	552,345	499,045	551,869	491,177	536,517	544,870
Income Tax Expense	95,669	82,275	94,546	74,612	21,461	94,865
Earnings From Continuing Operations	456,676	416,770	457,323	416,565	515,056	450,005
Minority Interest in Earnings	-7,952	17,136	-24,379	-8,604	-27,523	-25,777
Net Income	448,724	433,906	432,944	407,961	487,533	424,228
Net Income to Common	448,724	433,906	432,944	407,961	487,533	424,228
Net Income Growth	11.30%	0.22%	6.12%	-16.32%	14.92%	54.03%
Basic Shares Outstanding	12,245	12,245	12,245	12,245	12,245	12,245
Diluted Shares Outstanding	12,245	12,245	12,245	12,245	12,245	12,245
Shares Change (YoY)	0.02%	-	-	-	-	-
EPS (Basic)	36.65	35.44	35.36	33.32	39.82	34.65
EPS (Diluted)	36.65	35.44	35.36	33.32	39.82	34.65
EPS Growth	11.28%	0.22%	6.12%	-16.32%	14.92%	54.03%
Dividend Per Share	-	-	17.679	9.995	11.945	13.863
Dividend Growth	-	-	76.87%	-16.32%	-13.84%	54.09%
Effective Tax Rate	17.32%	16.49%	17.13%	15.19%	4.00%	17.41%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.