XML 58 R41.htm IDEA: XBRL DOCUMENT v3.21.1
Administrative Expenses
 12 Months Ended
Dec. 31, 2020
Disclosure of general and administrative expense [text block] [Abstract]  
Administrative Expenses
35.Administrative Expenses:

For the year ended December 31, 2018, 2019 and 2020, administrative expenses are detailed as follows:


    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