Disclosure of nature and extent of risks arising from financial instruments [abstract]

			Fair value of collateral and credit enhancements held as of December 31, 2018
	Maximum exposure to credit risk		Mortgages		Pledge (*)		Securities		Warrants		Others		Net collateral		Net exposure
Loans to customers:	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Corporate lending		11,705,859		2,589,429		75,105		423,556		2,263		221,919		3,312,272		8,393,587
Small business lending		3,732,539		2,977,286		31,270		28,974		―		71,140		3,108,670		623,869
Consumer lending		4,436,161		332,030		967		2,244		―		20,090		355,331		4,080,830
Mortgage lending		8,052,073		7,493,073		58		265		―		―		7,493,396		558,677
Total		27,926,632		13,391,818		107,400		455,039		2,263		313,149		14,269,669		13,656,963

			Fair value of collateral and credit enhancements held as of December 31, 2019
	Maximum exposure to credit risk		Mortgages		Pledge (*)		Securities		Warrants		Others		Net collateral		Net exposure
Loans to customers:	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Corporate lending		12,117,724		2,453,533		82,365		345,246		2,182		207,052		3,090,378		9,027,346
Small business lending		4,176,488		3,133,480		30,466		26,674		―		74,725		3,265,345		911,143
Consumer lending		4,532,333		341,495		966		2,045		―		20,646		365,152		4,167,181
Mortgage lending		9,206,727		8,019,519		51		176		―		―		8,019,746		1,186,981
Total		30,033,272		13,948,027		113,848		374,141		2,182		302,423		14,740,621		15,292,651

(*)

Includes agricultural and industrial pledges, and pledges without conveyance.

Schedule of aging analysis of loans

			*Past due but not impaired^()**
As of	Neither past due or impaired		Up to 30 days		Over 30 days and up to 60 days		Over 60 days and up to 90 days		Over 90 days		Total
December 31,		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
2018		26,376,542		538,681		145,130		37,371		2,566		27,100,290
2019		28,320,610		599,833		159,756		57,946		595		29,138,740

^(*)

These amounts include installments that are overdue, plus the remaining balance of principal and interest on such loans.

Schedule of amortized costs and net loss of modified financial assets

2019

MCh$

Amortized costs of financial assets modified during the period

227,718

Net modification loss

81,974

Schedule of use of MAR

	MAR LCCY + FCCY MMM$				MAR FCCY MMUS$
	1 – 30 days		1 – 90 days		1 – 30 days		1 – 90 days
Maximum		3,352		5,498		1,999		3,254
Minimum		1,705		3,993		1		1,407
Average		2,621		4,841		1,052		2,479

Schedule of financial ratios

	Liquid Assets/ Net Funding <30 days			Liabilities>1 year/ Assets >1 year			Deposits/ Loans
Maximum		103	%		82	%		62	%
Minimum		82	%		76	%		58	%
Average		92	%		78	%		60	%

Schedule of the LCR and the NSFR

	LCR			NSFR
Maximum		1.17			1.02
Minimum		0.88			0.97
Average		0.99			0.99
Regulatory Limit		0.6	(*)		N/A

Schedule of use of VaR

	Value-at-Risk
	99% one-day confidence level MMUS$
Maximum		872
Minimum		176
Average		562

Schedule of banking book interest rate exposure by contractual maturity

	Up to 1 month		Between 1 and 3 months		Between 3 and 12 months		Between 1 and 3 years		Between 3 and 5 years		More than 5 years		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Assets as of December 31, 2018
Cash and due from banks		844,173		―		―		―		―		―		844,173
Transactions in the course of collection		151,701		―		―		―		―		―		151,701
Investment under resale agreements		3,161		―		―		―		―		―		3,161
Derivative instruments under hedge-accounting treatment		20		140,631		253,266		176,330		229,092		717,331		1,516,670
Inter-banking loans		1,262,749		79,199		133,689		24,337		―		―		1,499,974
Customer loans		2,305,334		2,311,297		5,784,455		8,402,372		3,923,096		9,721,138		32,447,692
Financial assets available-for-sale		48,469		153,479		408,390		146,136		58,093		230,003		1,044,570
Total assets		4,615,607		2,684,606		6,579,800		8,749,175		4,210,281		10,668,472		37,507,941

Assets as of December 31, 2019
Cash and due from banks		2,310,055		―		―		―		―		―		2,310,055
Transactions in the course of collection		230,605		―		―		―		―		―		230,605
Investment under resale agreements		45,056		―		―		―		―		―		45,056
Derivative instruments under hedge-accounting treatment		774		36,304		28,302		257,909		348,950		1,069,919		1,742,158
Inter-banking loans		876,508		98,673		167,287		―		―		―		1,142,468
Customer loans		3,179,665		2,524,282		6,473,441		6,979,231		3,980,097		10,744,559		33,881,275
Financial Assets at Fair Value through OCI		26,180		241,326		805,844		115,805		25,219		142,005		1,356,379
Total assets		6,668,843		2,900,585		7,474,874		7,352,945		4,354,266		11,956,483		40,707,996

		Up to 1 month		Between 1 and 3 months		Between 3 and 12 months		Between 1 and 3 years		Between 3 and 5 years		More than 5 years		Total
		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Liabilities as of December 31, 2018
Current accounts and demand deposits		9,622,073		―		―		―		―		―		9,622,073
Transactions in the course of payment		―		―		―		―		―		―		―
Obligations under repurchase agreements		6,963		―		―		―		―		―		6,963
Savings accounts and interest-bearing deposits		5,273,096		1,981,221		3,152,103		373,398		619		71,330		10,851,767
Derivative instruments under hedge-accounting treatment		115		144,525		243,151		187,522		222,201		715,536		1,513,050
Inter-banking borrowings		97,661		268,795		946,950		183,206		―		―		1,496,612
Long-term debt (*)		101,707		267,665		724,724		1,410,766		1,899,529		4,303,542		8,707,933
Other liabilities		92,896		730		4,857		18,406		366		35		117,290
Total liabilities		15,194,511		2,662,936		5,071,785		2,173,298		2,122,715		5,090,443		32,315,688

Liabilities as of December 31, 2019
Current accounts and demand deposits		11,382,462		―		―		―		―		―		11,382,462
Transactions in the course of payment		3,423		―		―		―		―		―		3,423
Obligations under repurchase agreements		9,068		―		―		―		―		―		9,068
Savings accounts and interest-bearing deposits		6,421,107		1,985,948		2,250,153		284,073		491		421		10,942,193
Derivative instruments under hedge-accounting treatment		156		33,740		23,300		251,136		317,886		1,117,967		1,744,185
Inter-banking borrowings		60,331		348,228		934,144		206,811		―		―		1,549,514
Long-term debt (*)		178,310		190,329		576,309		2,091,841		2,081,579		5,017,172		10,135,540
Other liabilities		142,010		292		17,529		727		167		―		160,725
Total liabilities		18,196,867		2,558,537		3,801,435		2,834,588		2,400,123		6,135,560		35,927,110

(*)

Amounts shown here are different from those reported in the liabilities report which is part of the liquidity analysis, due to differences in the treatment of mortgage bonds issued by the Bank in both reports.

Schedule of Potential Profit and Loss Impact on Trading Book

Most Adverse Stress Scenario P&L Impact Trading Book (MCh$)
CLP Interest Rate			(4,968	)
Derivatives	(3,006	)
Debt instruments	(1,962	)
CLF Interest Rate			(8,694	)
Derivatives	(2,600	)
Debt instruments	(6,094	)
Interest rate USD offshore			(1,963	)
Domestic/offshore interest rate spread USD			(50	)
Total Interest rates			(15,675	)
Total FX			(16	)
Total FX Options			224
Total			(15,467	)

Schedule of risk weighted assets, Basic Capital ratio and Regulatory Capital ratio

	Consolidated assets				Risk-weighted assets
	2018		2019		2018		2019
	MCh$		MCh$		MCh$		MCh$
Balance sheet assets (net of provisions)
Cash and due from banks		880,081		2,392,166		13,084		38,250
Transactions in the course of collection		289,194		331,420		186,536		167,781
Financial Assets held-for-trading		1,745,366		1,872,355		134,412		462,177
Investment under resale agreements		97,289		142,329		97,289		142,329
Derivative instruments (*)		1,310,262		1,555,749		916,798		1,124,730
Loans and advances to banks		1,494,384		1,140,081		313,524		389,417
Loans to Customers at amortized cost		27,341,254		29,384,039		24,102,808		25,668,329
Financial assets at fair value through OCI		1,053,191		1,366,343		356,568		323,160
Financial assets held to maturity		―		―		―		―
Investments in other companies		42,252		48,442		44,561		50,758
Intangible assets		85,471		91,717		52,061		58,307
Property and equipment		215,872		220,262		215,872		220,262
Leased assets		―		150,665		―		150,665
Investment properties		13,938		13,190		―		―
Current tax assets		677		357		68		36
Deferred tax assets		176,823		231,293		27,792		32,095
Other assets		651,691		843,000		673,380		862,968
Subtotal		35,397,745		39,783,408		27,134,753		29,691,264

Off-balance-sheet assets
Contingent loans		4,266,821		4,365,922		2,559,197		2,616,074
Total		39,664,566		44,149,330		29,693,950		32,307,338

(*)

Financial derivative contracts are presented as an equivalent credit risk for the purposes of calculating consolidated assets.

	As of December 31,
	2018		2019
	MCh$		MCh$

Basic capital () (*)		3,304,152		3,528,222
Effective equity		4,129,999		4,569,090
Total consolidated assets (**)		39,989,595		44,408,789
Total consolidated assets weighted by credit risk		29,693,950		32,307,338

(*)

The Basic Capital corresponds to the equity of the owners of the Bank in the Consolidated Statement of Financial Position.

(**)

The total consolidated assets is presented in accordance with Chilean Generally Accepted Accounting Principles as issued by the Chilean Commission for Financial Market ("CMF"). As a result, it is not directly comparable with this Consolidated Statement of Financial Position.

	Ratio
	As of December 31,
	2018		2019
	%		%

Basic capital / consolidated assets		8.26		7.94
Effective equity / consolidated assets weighted by risk		13.91		14.14