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Administrative Expenses (Tables) | 12 Months Ended
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Dec. 31, 2019
Administrative Expenses [Abstract] |
Schedule of administrative expenses |
|  | 2017 |  |  | 2018 |  |  | 2019 |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |
General administrative expenses |  |  |  |  |  |  |  |  |
Information technology and communications |  |  | 69,933 |  |  |  | 79,300 |  |  |  | 92,264 |
Maintenance and repair of property and equipment |  |  | 35,044 |  |  |  | 36,716 |  |  |  | 50,297 |
External advisory services and professional services fees |  |  | 11,514 |  |  |  | 16,690 |  |  |  | 21,099 |
Surveillance and securities transport services |  |  | 11,927 |  |  |  | 11,828 |  |  |  | 11,533 |
Office supplies |  |  | 8,238 |  |  |  | 8,535 |  |  |  | 9,366 |
Insurance premiums |  |  | 5,797 |  |  |  | 5,286 |  |  |  | 5,851 |
Expenses for short-term leases and low value (*) |  |  | — |  |  |  | — |  |  |  | 5,801 |
Energy, heating and other utilities |  |  | 5,674 |  |  |  | 5,676 |  |  |  | 5,697 |
External service of financial information |  |  | 4,510 |  |  |  | 4,787 |  |  |  | 5,461 |
Postal box, mail , postage and home delivery services |  |  | 5,343 |  |  |  | 6,045 |  |  |  | 5,131 |
Legal and notary expenses |  |  | 3,913 |  |  |  | 4,398 |  |  |  | 3,996 |
Representation and travel expenses |  |  | 4,040 |  |  |  | 3,763 |  |  |  | 3,657 |
External service of custody of documentation |  |  | 3,218 |  |  |  | 3,088 |  |  |  | 3,315 |
Other expenses of obligations for lease agreements (*) |  |  | — |  |  |  | — |  |  |  | 2,797 |
Donations |  |  | 2,538 |  |  |  | 1,982 |  |  |  | 2,238 |
Office rental and equipment and ATM (*) |  |  | 33,017 |  |  |  | 34,773 |  |  |  | — |
Other general administrative expenses |  |  | 6,905 |  |  |  | 8,591 |  |  |  | 5,227 |
Subtotal |  |  | 211,611 |  |  |  | 231,458 |  |  |  | 233,730 |
Outsource services |  |  |  |  |  |  |  |  |  |  |  |
Credit pre-evaluation |  |  | 19,577 |  |  |  | 21,952 |  |  |  | 19,159 |
Data processing |  |  | 12,330 |  |  |  | 8,562 |  |  |  | 10,129 |
External technological developments expenses |  |  | 10,418 |  |  |  | 9,984 |  |  |  | 9,459 |
Certification and technology testing |  |  | 6,532 |  |  |  | 6,823 |  |  |  | 7,460 |
Other |  |  | 3,092 |  |  |  | 3,577 |  |  |  | 3,470 |
Subtotal |  |  | 51,949 |  |  |  | 50.898 |  |  |  | 49,677 |
Board expenses |  |  |  |  |  |  |  |  |  |  |  |
Board of Directors Compensation |  |  | 2,497 |  |  |  | 2,511 |  |  |  | 2,509 |
Other Board expenses |  |  | 458 |  |  |  | 298 |  |  |  | 194 |
Subtotal |  |  | 2,955 |  |  |  | 2,809 |  |  |  | 2,703 |
Marketing expenses |  |  |  |  |  |  |  |  |  |  |  |
Advertising |  |  | 30,698 |  |  |  | 31,375 |  |  |  | 27,808 |
Subtotal |  |  | 30,698 |  |  |  | 31,375 |  |  |  | 27,808 |
Taxes, payroll taxes and contributions |  |  |  |  |  |  |  |  |  |  |  |
Contribution to the banking regulator |  |  | 9,176 |  |  |  | 9,548 |  |  |  | 10,285 |
Real estate contributions |  |  | 2,722 |  |  |  | 2,823 |  |  |  | 2,856 |
Patents |  |  | 1,241 |  |  |  | 1,243 |  |  |  | 1,209 |
Other taxes |  |  | 1,103 |  |  |  | 1,323 |  |  |  | 1,437 |
Subtotal |  |  | 14,242 |  |  |  | 14,937 |  |  |  | 15,787 |
Total |  |  | 311,455 |  |  |  | 331,477 |  |  |  | 329,705 |
| (*) | See Note No. 4 Adoption of IFRS 16 "Leases".

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