33. Provisions for Loan Losses:

The changes during 2015, 2016 and 2017 are the following:

	Loans and	Loans to customers as of December 31, 2015
	advance to banks	Commercial loans		Mortgage loans		Consumer loans		Total		Financial Guarantees		Total
	MCh$	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Provisions established:
Individual provisions	—	(53,946	)	—		—		(53,946	)	(3,723	)	(57,669	)
Group provisions	—	(40,094	)	(8,537	)	(204,225	)	(252,856	)	(1,413	)	(254,269	)

Provisions established net	—	(94,040	)	(8,537	)	(204,225	)	(306,802	)	(5,136	)	(311,938	)

Provisions released:
Individual provisions	463	—		—		—		—		12,304		12,767
Group provisions	—	—		—		—		—		—		—

Provisions released net	463	—		—		—		—		12,304		12,767

Recovery of written-off assets	—	18,011		1,895		33,043		52,949		—		52,949


Provisions net allowances for credit risk	463	(76,029	)	(6,642	)	(171,182	)	(253,853	)	7,168		(246,222	)

	Loans and	Loans to customers as of December 31, 2016
	advance to banks	Commercial loans		Mortgage loans		Consumer loans		Total		Financial Guarantees		Total
	MCh$	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Provisions established:
Individual provisions	—	—		—		—		—		(5,944	)	(5,944	)
Group provisions	—	(45,462	)	(6,932	)	(261,838	)	(314,232	)	—		(314,232	)

Provisions established net	—	(45,462	)	(6,932	)	(261,838	)	(314,232	)	(5,944	)	(320,176	)

Provisions released:
Individual provisions	94	7,924		—		—		7,924		2,575		10,593
Group provisions	—	—		—		—		—		3,478		3,478

Provisions released net	94	7,924		—		—		7,924		6,053		14,071

Recovery of written-off assets	—	13,017		2,350		31,475		46,842		—		46,842


Provisions net allowances for credit risk	94	(24,521	)	(4,582	)	(230,363	)	(259,466	)	109		(259,263	)

	Loans and		Loans to customers as of December 31, 2017
	advance to banks		Commercial loans		Mortgage loans		Consumer loans		Total		Financial Guarantees		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Provisions established:
Individual provisions	(5	)	—		—		—		—		—		(5	)
Group provisions	—		(47,837	)	(4,361	)	(247,810	)	(300,008	)	(3,131	)	(303,139	)

Provisions established net	(5	)	(47,837	)	(4,361	)	(247,810	)	(300,008	)	(3,131	)	(303,144	)

Provisions released:
Individual provisions	—		28,571		—		—		28,571		3,841		32,412
Group provisions	—		—		—		—		—		—		—

Provisions released net	—		28,571		—		—		28,571		3,841		32,412

Recovery of written-off assets	—		13,750		3,246		32,481		49,477		—		49,477


Provisions net allowances for credit risk	(5	)	(5,516	)	(1,115	)	(215,329	)	(221,960	)	710		(221,255	)