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Interest Revenue and Expenses

12 Months Ended

Dec. 31, 2021

Disclosure of interest income (expense) [text block] [Abstract]

Interest Revenue and Expenses

30.

Interest Revenue and Expenses:

(a)

As of each year-end below, interest revenue is detailed as follows:

	2019			2020			2021
	MCh$			MCh$			MCh$
Commercial loans		910,229			826,440			1,028,638
Consumer loans		638,198			533,267			446,608
Residential mortgage loans		532,009			520,271			918,452
Financial investments		45,294			36,748			81,887
Repurchase agreements		2,480			1,406			1,756
Loans and advances to banks		27,457			10,797			14,524
Gain (loss) from accounting hedges		(59,874	)		(62,826	)		(110,927	)
Other interest revenue		17,755			10,692			7,532
Total		2,113,548			1,876,795			2,388,470

The amount of interest recognized on a received basis for impaired portfolio in 2021 amounts to Ch$5,408 million (Ch$3,811 million as of December 31, 2020).

(b)

As of each year-end below, interest expenses are detailed as follows:

	2019			2020			2021
	MCh$			MCh$			MCh$
Savings accounts and time deposits		313,142			142,623			133,338
Debt issued		386,015			403,989			653,890
Other financial obligations		918			413			31
Repurchase agreements		7,048			1,853			940
Borrowings from financial institutions		43,570			27,830			23,382
(Gain) loss from accounting hedges		(25,888	)		(32,040	)		(29,953	)
Demand deposits		14,408			11,559			28,367
Lease liabilities		2,574			2,532			1,978
Other interest expenses		483			1,248			2,475
Total		742,270			560,007			814,448

(c)

As of each year-end below, loss from accounting hedge is the following:

	2019			2020			2021
	MCh$			MCh$			MCh$
Cash Flow hedge		(28,690	)		(22,293	)		(76,108	)
Fair value hedge		(5,296	)		(8,493	)		(4,866	)
Total		(33,986	)		(30,786	)		(80,974	)