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Administrative Expenses (Tables)
 12 Months Ended
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".