XML 116 R96.htm IDEA: XBRL DOCUMENT v3.8.0.1
Segment Reporting (Details)
$ in Thousands, $ in Millions
 12 Months Ended
Dec. 31, 2017
CLF ( )
item
Dec. 31, 2017
USD ($)
item
Dec. 31, 2017
CLP ($)
item
Dec. 31, 2016
CLP ($)
Dec. 31, 2015
CLP ($)
Dec. 31, 2017
CLP ($)
Segment Reporting            
Number of business segments | item 4 4 4      
Net interest income   $ 2,006,231 $ 1,234,695 $ 1,226,733 $ 1,228,288  
Net fees and commissions income   564,929 347,674 321,271 305,979  
Other operating income     105,173 169,555 127,216  
Total operating revenues   2,742,054 1,687,542 1,717,559 1,661,483  
Provisions for loan losses   (359,513) (221,255) (259,263) (246,222)  
Depreciation and amortization   (60,992) (37,536) (35,575) (31,822)  
Other operating expenses     (746,820) (751,472) (694,456)  
Income attributable to associates   8,955 5,511 4,014 3,243  
Income before income taxes   1,117,011 687,442 675,263 692,226  
Income taxes   (187,448) (115,361) (100,212) (82,321)  
NET INCOME FOR THE YEAR   929,563 572,081 575,051 609,905  
Assets before taxes       31,173,724 30,928,404 $ 32,377,140
Current and deferred taxes (assets)       183,580 129,192 184,297
TOTAL ASSETS   52,908,434   31,357,304 31,057,596 32,561,437
Liabilities before taxes       28,049,630 27,857,557 29,012,636
Current and deferred taxes (liabilities)         24,714 3,453
TOTAL LIABILITIES   $ 47,147,669   28,049,630 27,882,271 29,016,089
Operating segments            
Segment Reporting            
Net interest income     1,227,465 1,220,368 1,217,621  
Net fees and commissions income     359,173 331,641 314,771  
Other operating income     137,019 195,134 125,220  
Total operating revenues     1,723,657 1,747,143 1,657,612  
Provisions for loan losses     (234,982) (309,735) (303,062)  
Depreciation and amortization     (35,251) (33,289) (29,537)  
Other operating expenses     (768,434) (767,343) (707,958)  
Income attributable to associates     6,057 4,513 3,672  
Income before income taxes     691,047 641,289 620,727  
Income taxes     (115,034) (89,040) (61,730)  
NET INCOME FOR THE YEAR     576,013 552,249 558,997  
Assets before taxes       31,382,379 31,180,706 32,765,893
Current and deferred taxes (assets)       288,370 223,019 290,432
TOTAL ASSETS       31,670,749 31,403,725 33,056,325
Liabilities before taxes       28,783,338 28,638,924 29,947,157
Current and deferred taxes (liabilities)         24,714 3,453
TOTAL LIABILITIES       28,783,338 28,663,638 29,950,610
Material reconciling items            
Segment Reporting            
Net interest income     7,230 6,365 10,667  
Net fees and commissions income     (11,499) (10,370) (8,792)  
Other operating income     (31,846) (25,579) 1,996  
Total operating revenues     (36,115) (29,584) 3,871  
Provisions for loan losses     13,727 50,472 56,840  
Depreciation and amortization     (2,285) (2,286) (2,285)  
Other operating expenses     21,614 15,871 13,502  
Income attributable to associates     (546) (499) (429)  
Income before income taxes     (3,605) 33,974 71,499  
Income taxes     (327) (11,172) (20,591)  
NET INCOME FOR THE YEAR     (3,932) 22,802 50,908  
Assets before taxes       (208,655) (252,302) (388,753)
Current and deferred taxes (assets)       (104,790) (93,827) (106,135)
TOTAL ASSETS       (313,445) (346,129) (494,888)
Liabilities before taxes       (733,708) (781,367) (934,521)
TOTAL LIABILITIES       (733,708) (781,367) (934,521)
Elimination adjustments            
Segment Reporting            
Net interest income     (14,387) (12,349) (11,257)  
Other operating expenses     14,387 12,349 11,257  
TOTAL ASSETS       (137,201) (147,013) (232,137)
TOTAL LIABILITIES       (137,201) (147,013) (232,137)
IFRS adjustments            
Segment Reporting            
Provisions for loan losses     13,727 50,472 56,840  
Depreciation and amortization     (2,285) (2,286) (2,285)  
Income taxes     (327) (11,172) (20,591)  
Reclassification of interest on repurchase agreements and suspended interest recognition     (21,728) (17,235) 15,128  
Reversal of write-offs of assets received in lieu of payments     7,227 3,522 2,245  
Increase (decrease) in assets from deviating allowances for loan losses, acquisitions and deferred taxes       (176,244) (199,116) (262,751)
Increase (decrease) in liabilities from provision for minimum dividends and differing allowances for loan losses       (596,507) (634,354) (702,384)
Retail | Operating segments            
Segment Reporting            
Net interest income     914,395 873,669 840,451  
Net fees and commissions income     184,045 170,529 156,936  
Other operating income     36,003 93,135 25,199  
Total operating revenues     1,134,443 1,137,333 1,022,586  
Provisions for loan losses     (256,262) (301,491) (229,669)  
Depreciation and amortization     (27,676) (25,229) (21,310)  
Other operating expenses     (507,913) (504,041) (471,529)  
Income attributable to associates     4,006 3,078 2,521  
Income before income taxes     346,598 309,650 302,599  
Assets before taxes       15,198,634 14,350,327 16,099,926
Liabilities before taxes       10,234,712 9,726,286 10,380,250
Retail | Maximum            
Segment Reporting            
Annual sales of customers considered for business segment | 70,000          
Wholesale | Operating segments            
Segment Reporting            
Net interest income     321,178 346,829 355,783  
Net fees and commissions income     43,447 42,202 43,853  
Other operating income     35,201 33,322 64,861  
Total operating revenues     399,826 422,353 464,497  
Provisions for loan losses     21,415 (8,243) (73,510)  
Depreciation and amortization     (4,540) (4,912) (5,364)  
Other operating expenses     (153,218) (152,859) (138,638)  
Income attributable to associates     1,339 914 716  
Income before income taxes     264,822 257,253 247,701  
Assets before taxes       11,526,685 11,926,049 10,558,278
Liabilities before taxes       10,277,326 9,934,304 10,272,607
Wholesale | Minimum            
Segment Reporting            
Annual sales of customers considered for business segment | 70,000          
Treasury and money market operations | Operating segments            
Segment Reporting            
Net interest income     (3,772) 4,207 27,942  
Net fees and commissions income     (4,306) (2,473) (2,163)  
Other operating income     38,931 44,754 10,355  
Total operating revenues     30,853 46,488 36,134  
Depreciation and amortization     (141) (172) (267)  
Other operating expenses     (5,022) (5,596) (4,770)  
Income attributable to associates     161 79 34  
Income before income taxes     25,851 40,799 31,131  
Assets before taxes       4,121,333 4,383,945 5,469,829
Liabilities before taxes       7,880,847 8,605,278 8,815,056
Subsidiaries | Operating segments            
Segment Reporting            
Net interest income     (4,336) (4,337) (6,555)  
Net fees and commissions income     135,987 121,383 116,145  
Other operating income     26,884 23,923 24,805  
Total operating revenues     158,535 140,969 134,395  
Provisions for loan losses     (135) (1) 117  
Depreciation and amortization     (2,894) (2,976) (2,596)  
Other operating expenses     (102,281) (104,847) (93,021)  
Income attributable to associates     551 442 401  
Income before income taxes     $ 53,776 33,587 39,296  
Assets before taxes       535,727 520,385 637,860
Liabilities before taxes       $ 390,453 $ 373,056 $ 479,244