Inversiones La Construcción (ILC) Q3 2025 earnings summary

Executive summary

• 9M25 profit was Ch$186,449 million, up 68.1% YoY; Q3 profit rose 25.2% to Ch$72,436 million, despite a Ch$18,328 million after-tax Isapres liability adjustment.

• Growth reflected stronger financial markets and operating progress across subsidiaries; consolidated ROAE was 19.2%.

Financial highlights

• 9M25 net operating income was Ch$218,310 million versus Ch$114,024 million in 9M24; non-operating loss was Ch$2,136 million versus income of Ch$5,024 million.

• At September 2025, assets were Ch$17,681,640 million, up 7.2% from year-end 2024; liabilities rose 7.2% and controlling equity rose 7.1%.

• Shares returned 101.0% YTD through November 21, 2025, with 7.9% dividends, versus 46.6% for the IPSA.

Outlook and guidance

• Banking priorities include expanding retail financing and corporate relationships, diversifying products and funding, and developing digitally onboarded products.

• RedSalud is pursuing broader access and growth in high-complexity services; strategic priorities include growth, diversification, profitability, flexibility and sustainability.