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Intangible Assets (Tables) | 12 Months Ended
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Dec. 31, 2018
Intangible Assets |
Schedule of changes in intangible assets |
|  |  |  | Intangible assets arising |  | Software or |  |
|  |  |  | from business |  | computer |  |
|  | Goodwill (1) |  | combinations (2) |  | programs |  | Total
|  | MCh$ |  | MCh$ |  | MCh$ |  | MCh$
Gross Balance |  |  |  |  |  |  |  |
Balance as of January 1, 2016 |  | 16,714 |  | 56,249 |  | 100,000 |  | 172,963
Acquisitions |  | — |  | — |  | 11,248 |  | 11,248
Disposals |  | — |  | — |  | (1,757) |  | (1,757)
Balance as of December 31, 2016 |  | 16,714 |  | 56,249 |  | 109,491 |  | 182,454
Acquisitions |  | — |  | — |  | 18,779 |  | 18,779
Disposals |  | — |  | — |  | (5,790) |  | (5,790)
Balance as of December 31, 2017 |  | 16,714 |  | 56,249 |  | 122,480 |  | 195,443
Acquisitions |  | — |  | — |  | 23,512 |  | 23,512
Disposals |  | — |  | — |  | (1,024) |  | (1,024)
Balance as of December 31, 2018 |  | 16,714 |  | 56,249 |  | 144,968 |  | 217,931
Accumulated Amortization |  |  |  |  |  |  |  |
Balance as of January 1, 2016 |  | — |  | (34,982) |  | (73,281) |  | (108,263)
Amortization for the year |  | — |  | (2,286) |  | (8,595) |  | (10,881)
Disposals |  | — |  | ― |  | 1,726 |  | 1,726
Balance as of December 31, 2016 |  | — |  | (37,268) |  | (80,150) |  | (117,418)
Amortization for the year |  | — |  | (2,285) |  | (9,075) |  | (11,360)
Disposals |  | — |  | ― |  | 5,790 |  | 5,790
Balance as of December 31, 2017 |  | — |  | (39,553) |  | (83,435) |  | (122,988)
Amortization for the year |  | — |  | — |  | (10,496) |  | (10,496)
Disposals |  | — |  | — |  | 1,024 |  | 1,024
Balance as of December 31, 2018 |  | — |  | (39,553) |  | (92,907) |  | (132,460)
Net balance as of December 31, 2016 |  | 16,714 |  | 18,981 |  | 29,341 |  | 65,036
Net balance as of December 31, 2017 |  | 16,714 |  | 16,696 |  | 39,045 |  | 72,455
Net balance as of December 31, 2018 |  | 16,714 |  | 16,696 |  | 52,061 |  | 85,471
| (1) |  | Goodwill corresponds mainly to business combination with Citibank Chile whose amount is of MCh$12,576 that represents the value of synergies to be generated in the combination process and the acquisition of know-how.
| (2) |  | Intangible assets arising from business combinations include assets with indefinite useful lives acquired in the business combination with Citibank Chile.
Summary of commitments for technological developments |
|  | Amount of Commitment
|  | 2017 |  | 2018
|  | MCh$ |  | MCh$
Software and licenses |  | 5,129 |  | 11,806
Summary of goodwill allocated to individual business segments |
|  | 2017 |  | 2018
Business Segments |  | MCh$ |  | MCh$
Retail |  | 5,928 |  | 5,928
Wholesale |  | 2,135 |  | 2,135
Treasury and money market operations |  | 4,513 |  | 4,513
Subsidiaries |  | 4,138 |  | 4,138
Total |  | 16,714 |  | 16,714

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