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Administrative Expenses (Tables) | 12 Months Ended
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Dec. 31, 2020
Disclosure of general and administrative expense [text block] [Abstract] |
Schedule of administrative expenses |
|  | 2018 |  |  | 2019 |  |  | 2020 |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |
General administrative expenses |  |  |  |  |  |  |  |  |  |  |  |
Information technology and communications |  |  | 79,300 |  |  |  | 92,264 |  |  |  | 99,763 |
Maintenance and repair of property and equipment |  |  | 36,716 |  |  |  | 50,297 |  |  |  | 48,218 |
External advisory services and professional services fees |  |  | 16,690 |  |  |  | 21,099 |  |  |  | 14,650 |
Office supplies |  |  | 8,535 |  |  |  | 9,366 |  |  |  | 11,094 |
Surveillance and securities transport services |  |  | 11,828 |  |  |  | 11,533 |  |  |  | 10,787 |
Insurance premiums |  |  | 5,286 |  |  |  | 5,851 |  |  |  | 8,273 |
External service of financial information |  |  | 4,787 |  |  |  | 5,461 |  |  |  | 5,912 |
Energy, heating and other utilities |  |  | 5,676 |  |  |  | 5,697 |  |  |  | 5,556 |
Expenses for short-term leases and low value |  |  | — |  |  |  | 5,801 |  |  |  | 4,729 |
Postal box, mail, postage and home delivery services |  |  | 6,045 |  |  |  | 5,131 |  |  |  | 4,218 |
Legal and notary expenses |  |  | 4,398 |  |  |  | 3,996 |  |  |  | 4,182 |
External service of custody of documentation |  |  | 3,088 |  |  |  | 3,315 |  |  |  | 3,359 |
Donations |  |  | 1,982 |  |  |  | 2,238 |  |  |  | 2,818 |
Representation and travel expenses |  |  | 3,763 |  |  |  | 3,657 |  |  |  | 2,780 |
Other expenses of obligations for lease agreements |  |  | — |  |  |  | 2,797 |  |  |  | 2,684 |
Office rental and equipment and ATM |  |  | 34,773 |  |  |  | — |  |  |  | — |
Other general administrative expenses |  |  | 8,591 |  |  |  | 5,227 |  |  |  | 4,495 |
Subtotal |  |  | 231,458 |  |  |  | 233,730 |  |  |  | 233,518 |
Outsource services |  |  |  |  |  |  |  |  |  |  |  |
Credit pre-evaluation |  |  | 21,952 |  |  |  | 19,159 |  |  |  | 12,241 |
External technological developments expenses |  |  | 9,984 |  |  |  | 9,459 |  |  |  | 11,371 |
Data processing |  |  | 8,562 |  |  |  | 10,129 |  |  |  | 9,333 |
Certification and technology testing |  |  | 6,823 |  |  |  | 7,460 |  |  |  | 6,062 |
Other |  |  | 3,577 |  |  |  | 3,470 |  |  |  | 2,435 |
Subtotal |  |  | 50,898 |  |  |  | 49,677 |  |  |  | 41,442 |
Board expenses |  |  |  |  |  |  |  |  |  |  |  |
Board of Directors Compensation |  |  | 2,511 |  |  |  | 2,509 |  |  |  | 2,795 |
Other Board expenses |  |  | 298 |  |  |  | 194 |  |  |  | 30 |
Subtotal |  |  | 2,809 |  |  |  | 2,703 |  |  |  | 2,825 |
Marketing expenses |  |  |  |  |  |  |  |  |  |  |  |
Advertising |  |  | 31,375 |  |  |  | 27,808 |  |  |  | 23,561 |
Subtotal |  |  | 31,375 |  |  |  | 27,808 |  |  |  | 23,561 |
Taxes, payroll taxes and contributions |  |  |  |  |  |  |  |  |  |  |  |
Contribution to the banking regulator |  |  | 9,548 |  |  |  | 10,285 |  |  |  | 11,408 |
Real estate contributions |  |  | 2,823 |  |  |  | 2,856 |  |  |  | 4,054 |
Patents |  |  | 1,243 |  |  |  | 1,209 |  |  |  | 1,284 |
Other taxes |  |  | 1,323 |  |  |  | 1,437 |  |  |  | 789 |
Subtotal |  |  | 14,937 |  |  |  | 15,787 |  |  |  | 17,535 |
Total |  |  | 331,477 |  |  |  | 329,705 |  |  |  | 318,881 |

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