Inversiones la Construccion SA
SGO:ILC
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Inversiones la Construccion SA
SGO:ILC
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Inversiones la Construccion SA
Inversiones La Construccion SA engages in the provision of retirement, insurance and health care services. The company is headquartered in Las Condes, Santiago. The company went IPO on 2011-07-12. The firm's activities are divided into six segments: Fund management (AFP), which administrates pension funds through AFP Habitat; Private health insurance (Isapre), which administrates health insurance contributions through Isapre Consalud; Insurance, which offers individual and collective life insurance policies through Confuturo and Corpseguros, among others; Healthcare, which manages a network of private hospitals and clinics through Red Salud; Bank, which provides financial services for retail and commercial consumers through Banco Internacional, and Other, which includes operation of private schools, as well as provision of information technology (IT) outsourcing services, among others. The firm is a subsidiary of Camara Chilena de la Construccion Asociacion Gremial.
Inversiones La Construccion SA engages in the provision of retirement, insurance and health care services. The company is headquartered in Las Condes, Santiago. The company went IPO on 2011-07-12. The firm's activities are divided into six segments: Fund management (AFP), which administrates pension funds through AFP Habitat; Private health insurance (Isapre), which administrates health insurance contributions through Isapre Consalud; Insurance, which offers individual and collective life insurance policies through Confuturo and Corpseguros, among others; Healthcare, which manages a network of private hospitals and clinics through Red Salud; Bank, which provides financial services for retail and commercial consumers through Banco Internacional, and Other, which includes operation of private schools, as well as provision of information technology (IT) outsourcing services, among others. The firm is a subsidiary of Camara Chilena de la Construccion Asociacion Gremial.
Profit: ILC reported a record 2025 profit of CLP 280 billion, up 89% from CLP 148 billion in 2024, with Q4 profit of CLP 93.5 billion (vs CLP 37.3 billion in Q4'24).
Market & rates: Local market outperformed (IPSA +16.7% in Q4'25) amid continued Central Bank easing (policy rate down to 4.5% in Dec 2025) and much lower quarterly CPI (0.1% in Q4'25).
Banking growth: Banco Internacional grew total loans 7.9% YoY vs industry 2.5%, reached 118,000 clients, and posted Q4 net income CLP 20.1 billion with ROAE 12.7% for 2025.
Capital & funding: Banco Internacional issued Chile's first AT1 (UF 2 million) and completed capital increases of CLP 42.8 billion; retail time deposits now ~24% of funding and solvency ratio stands at 17%.
Insurance & pensions: Confuturo benefited from strong investment income (investment result CLP 118 billion, +16% QoQ) and reported Q4 net income CLP 43.1 billion (ROAE 19.1%); AFP Habitat revenues CLP 66.8 billion (+3.6% YoY).
Health businesses: RedSalud revenue CLP 218 billion (+13.6% YoY) and Q4 EBITDA CLP 25.5 billion (margin 11.7%); acquisition of Sanatorio Alemán expected to add 10–15% to revenues and EBITDA at consolidation start in 2026.
Insurance cost trends: Consalud loss ratio improved to 79.6% in Q4'25 (from 86.3%) helped by a 26% drop in medical leaves and 13% lower average subsidy per license.
Balance sheet & ratings: ILC net financial debt CLP 410 billion (net debt/equity 0.33x), liquidity CLP 175.2 billion, and Fitch upgraded ILC to BBB+.
