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Risk Management (Tables)

12 Months Ended

Dec. 31, 2021

Disclosure of financial risk management [text block] [Abstract]

Schedule of credit risk exposure per balance sheet item, including derivatives, detailed by both geographic region and industry sector

		Chile				United States				Brazil				Other				Total
		MCh$				MCh$				MCh$				MCh$				MCh$
Financial Assets
Cash and Due from Banks			1,272,238				1,158,637				—				129,341				2,560,216
Financial Assets held-for-trading
From the Chilean Government and Central Bank of Chile			4,159,292				—				—				—				4,159,292
Other instruments issued in Chile			105,798				—				—				—				105,798
Instruments issued abroad			—				164				—				—				164
Mutual fund investments			400,902				—				—				—				400,902
Subtotal			4,665,992				164				—				—				4,666,156
Investments under resale agreements			76,407				—				—				—				76,407
Derivative Contracts for Trading Purposes
Forwards			415,349				73,805				—				62,810				551,964
Swaps			1,184,563				83,776				—				744,908				2,013,247
Call Options			269				—				—				—				269
Put Options			1,462				—				—				—				1,462
Futures			—				—				—				—				—
Subtotal			1,601,643				157,581				—				807,718				2,566,942
Hedge Derivative Contracts
Forwards			—				—				—				—				—
Swaps			1,511				18,964				—				30,587				51,062
Call Options			—				—				—				—				—
Put Options			—				—				—				—				—
Futures			—				—				—				—				—
Subtotal			1,511				18,964				—				30,587				51,062
Loans and advances to Banks (before allowances)
Central Bank of Chile			2,380,033				—				—				—				2,380,033
Domestic banks			260,002				—				—				—				260,002
Foreign banks			—				—				150,230				149,391				299,621
Subtotal			2,640,035				—				150,230				149,391				2,939,656
Loans to Customers at amortized cost (before allowances)
Commercial loans			17,591,127				—				—				10,470				17,601,597
Residential mortgage loans			9,387,372				—				—				—				9,387,372
Consumer loans			3,948,721				—				—				—				3,948,721
Subtotal			30,927,220				—				—				10,470				30,937,690
Financial assets available-for-sale
Debt Instruments:
From the Chilean government and Central Bank of Chile			163,600				—				—				—				163,600
Other instruments issued in Chile			896,923				—				—				—				896,923
Instruments issued abroad			—				—				—				—				—
Subtotal			1,060,523				—				—				—				1,060,523
Equity Instruments:
Instruments issued in Chile			6,869				—				—				—				6,869
Instruments issued abroad			—				—				—				761				761
Subtotal			6,869				—				—				761				7,630
Total			1,067,392				—				—				761				1,068,153
Financial instruments at amortized cost			—				—				—				—				—

		Central Bank of Chile				Government				Retail (Individuals)				Financial Services				Trade				Manufacturing				Mining				Electricity, Gas and Water				Agriculture and Livestock				Fishing				Transportation and Telecom				Construction				Services				Other				Total
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Financial Assets
Cash and Due from Banks			641,890				—				1,918,326				—				—				—				—				—				—				—				—				—				—				—				2,560,216
Financial Assets held-for-trading
From the Chilean Government and Central Bank of Chile			4,009,676				149,616				—				—				—				—				—				—				—				—				—				—				—				—				4,159,292
Other instruments issued in Chile			—				—				—				105,798				—				—				—				—				—				—				—				—				—				—				105,798
Instruments issued abroad			—				—				—				164				—				—				—				—				—				—				—				—				—				—				164
Mutual fund investment			—				—				—				400,902				—				—				—				—				—				—				—				—				—				—				400,902
Subtotal			4,009,676				149,616								506,864				—				—				—				—				—				—				—				—				—				—				4,666,156
Investments under resale agreements			—				10,006				950				64,554				130				—				—				—				—				—				—				146				—				621				76,407
Derivative Contracts for Trading Purposes
Forwards			—				—				—				351,833				17,280				16,078				4,456				6,253				1,071				30				2,269				265				—				152,429				551,964
Swaps			—				—				—				1,943,033				4,579				4,031				18				17,637				10,237				913				21,163				662				—				10,974				2,013,247
Call Options			—				—				—				13				205				—				—				—				40				—				—				11				—				—				269
Put Options			—				—				—				148				1,314				—				—				—				—				—				—				—				—				—				1,462
Futures			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
Subtotal			—				—				—				2,295,027				23,378				20,109				4,474				23,890				11,348				943				23,432				938				—				163,403				2,566,942
Hedge Derivative Contracts
Forwards
Swaps			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
Call Options			—				—				—				51,062				—				—				—				—				—				—				—				—				—				—				51,062
Put Options			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
Futures			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
Subtotal			—				—				—				51,062				—				—				—				—				—				—				—				—				—				—				51,062
Loans and advances to Banks
Central Bank of Chile			2,380,033				—				—				—				—				—				—				—				—				—				—				—				—				—				2,380,033
Domestic banks			—				—				—				260,002				—				—				—				—				—				—				—				—				—				—				260,002
Foreign banks			—				—				—				299,621				—				—				—				—				—				—				—				—				—				—				299,621
Subtotal			2,380,033				—				—				559,623				—				—				—				—				—				—				—				—				—				—				2,939,656
Loans to Customers at amortized cost
Commercial loans			—				—				—				2,351,333				2,544,146				1,347,770				470,607				395,598				1,647,226				135,488				1,454,404				2,453,579				3,054,194				1,747,252				17,601,597
Residential mortgage loans			—				—				9,387,372				—				—				—				—				—				—				—				—				—				—				—				9,387,372
Consumer loans			—				—				3,948,721				—				—				—				—				—				—				—				—				—				—				—				3,948,721
Subtotal			—				—				13,336,093				2,351,333				2,544,146				1,347,770				470,607				395,598				1,647,226				135,488				1,454,404				2,453,579				3,054,194				1,747,252				30,937,690
Financial Assets at Fair Value through OCI
Debt Instruments:
From the Chilean Government and Central Bank of Chile			109				163,491				—				—				—				—				—				—				—				—				—				—				—				—				163,600
Other instruments issued in Chile			—				—				—				851,468				—				4,465				—				8,089				—				—				5,334				—				—				27,567				896,923
Instruments issued abroad			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
Subtotal			109				163,491				—				851,468				—				4,465				—				8,089				—				—				5,334				—				—				27,567				1,060,523
Equity Instruments:
Instruments issued in Chile			—				—				—				6,869				—				—				—				—				—				—				—				—				—				—				6,869
Instruments issued abroad			—				—				—				761				—				—				—				—				—				—				—				—				—				—				761
Subtotal			—				—				—				7,630				—				—				—				—				—				—				—				—				—				—				7,630
Total			109				163,491				—				859,098				—				4,465				—				8,089				—				—				5,334				—				—				27,567				1,068,153
Financial instruments at amortized cost			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—

		Chile				United States				Brazil				Others				Total
		MCh$				MCh$				MCh$				MCh$				MCh$
Financial Assets
Cash and Due from Banks			2,748,930				897,881				8				66,915				3,713,734
Financial Assets held-for-trading
From the Chilean Government and Central Bank of Chile			3,472,122				—				—				—				3,472,122
Other instruments issued in Chile			268,882				—				—				—				268,882
Instruments issued abroad			—				—				—				—				—
Mutual fund investments			135,691				—				—				—				135,691
Subtotal			3,876,695				—				—				—				3,876,695
Investments under resale agreements			64,365				—				—				—				64,365
Derivative Contracts for Trading Purposes
Forwards			585,463				90,461				—				66,621				742,545
Swaps			1,113,135				256,829				—				588,278				1,958,242
Call Options			4,509				—				—				—				4,509
Put Options			199				—				—				—				199
Futures			—				—				—				—				—
Subtotal			1,703,306				347,290				—				654,899				2,705,495
Hedge Derivative Contracts
Forwards			—				—				—				—				—
Swaps			16,375				79,904				—				181,524				277,803
Call Options			—				—				—				—				—
Put Options			—				—				—				—				—
Futures			—				—				—				—				—
Subtotal			16,375				79,904				—				181,524				277,803
Loans and advances to Banks
Central Bank of Chile			1,090,000				—				—				—				1,090,000
Domestic banks			160,018				—				—				—				160,018
Foreign banks			—				—				141,249				138,565				279,814
Subtotal			1,250,018				—				141,249				138,565				1,529,832
Loans to Customers, Net
Commercial loans			19,658,614				—				—				13,718				19,672,332
Residential mortgage loans			10,346,528				—				—				—				10,346,528
Consumer loans			4,247,013				—				—				—				4,247,013
Subtotal			34,252,155				—				—				13,718				34,265,873
Financial Assets Available-for-Sale
from the Chilean Government and Central Bank of Chile			2,488,850				—				—				—				2,488,850
Other instruments issued in Chile			565,959				—				—				—				565,959
Instruments issued abroad			—				—				—				—				—
Subtotal			3,054,809				—				—				—				3,054,809
Equity Instruments:
Instruments issued in Chile			5,499				—				—				—				5,499
Instruments issued abroad			—				—				—				866				866
Subtotal			5,499				—				—				866				6,365
Total			3,060,308												866				3,061,174
Financial instruments at amortized cost			839,744				—				—				—				839,744

		Central Bank of Chile				Government				Retail (Individuals)				Financial Services				Trade				Manufacturing				Mining				Electricity, Gas and Water				Agriculture and Livestock				Fishing				Transportation and Telecom				Construction				Services				Others				Total
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Financial Assets
Cash and Due from Banks			1,545,472				—				—				2,168,262				—				—				—				—				—				—				—				—				—				—			3,713,734
Financial Assets held-for-trading
From the Chilean Government and Central Bank of Chile			3,287,111				162,433				—				22,578				—				—				—				—				—				—				—				—				—				—			3,472,122
Other instruments issued in Chile			—				—				—				268,882				—				—				—				—				—				—				—				—				—				—			268,882
Instruments issued abroad			—				—				—				—				—				—				—				—				—				—				—				—				—				—			—
Mutual fund investments			—				—				—				135,691				—				—				—				—				—				—				—				—				—				—			135,691
Subtotal			3,287,111				162,433				—				427,151				—				—				—				—				—				—				—				—				—				—			3,876,695
Investments under resale agreements			—				—				232				62,030				1,327				—				—				—				—				—				—				13				—				763			64,365
Derivative Contracts for Trading Purposes
Forwards			—				—				—				521,735				3,685				18,806				1,343				12,623				4,873				—				—				247				—				179,233			742,545
Swaps			—				—				—				1,870,974				342				3,444				2				8,129				17,815				5,409				11,516				3,098				—				37,513			1,958,242
Call Options			—				—				—				251				3,595				474				—				—				80				109				—				—				—				—			4,509
Put Options			—				—				—				21				178				—				—				—				—				—				—				—				—				—			199
Futures			—				—				—				—				—				—				—				—				—				—				—				—				—				—			—
Subtotal			—				—				—				2,392,981				7,800				22,724				1,345				20,752				22,768				5,518				11,516				3,345				—				216,746			2,705,495
Hedge Derivative Contracts
Forwards			—				—				—				—				—				—				—				—				—				—				—				—				—				—			—
Swaps			—				—				—				277,803				—				—				—				—				—				—				—				—				—				—			277,803
Call Options			—				—				—				—				—				—				—				—				—				—				—				—				—				—			—
Put Options			—				—				—				—				—				—				—				—				—				—				—				—				—				—			—
Futures			—				—				—				—				—				—				—				—				—				—				—				—				—				—			—
Subtotal			—				—				—				277,803				—				—				—				—				—				—				—				—				—				—			277,803
Loans and advances to Banks
Central Bank of Chile			1,090,000				—				—				—				—				—				—				—				—				—				—				—				—				—			1,090,000
Domestic banks			—				—				—				160,018				—				—				—				—				—				—				—				—				—				—			160,018
Foreign banks			—				—				—				279,814				—				—				—				—				—				—				—				—				—				—			279,814
Subtotal			1,090,000				—				—				439,832				—				—				—				—				—				—				—				—				—				—			1,529,832
Loans to Customers, Net
Commercial loans			—				—				—				3,054,715				2,617,814				1,751,451				400,413				340,618				1,770,883				144,809				1,834,624				2,493,702				3,184,102				2,079,201			19,672,332
Residential mortgage loans			—				—				10,346,528				—				—				—				—				—				—				—				—				—				—				—			10,346,528
Consumer loans			—				—				4,247,013				—				—				—				—				—				—				—				—				—				—				—			4,247,013
Subtotal			—				—				14,593,541				3,054,715				2,617,814				1,751,451				400,413				340,618				1,770,883				144,809				1,834,624				2,493,702				3,184,102				2,079,201			34,265,873
Financial Assets Available-for-Sale
from the Chilean Government and Central Bank of Chile			102				2,488,748				—				—				—				—				—				—				—				—				—				—				—				—			2,488,850
Other instruments issued in Chile			—				—				—				537,036				—				—				—				5,254				—				—				5,321				4,609				—				13,739			565,959
Instruments issued abroad			—				—				—				—				—				—				—				—				—				—				—				—				—				—			—
Subtotal			102				2,488,748				—				537,036				—				—				—				5,254				—				—				5,321				4,609				—				13,739			3,054,809
Equity Instruments:
Instruments issued in Chile			—				—				—				5,499				—				—				—				—				—				—				—				—				—				—			5,499
Instruments issued abroad			—				—				—				866				—				—				—				—				—				—				—				—				—				—			866
Subtotal			—				—				—				6,365				—				—				—				—				—				—				—				—				—				—			6,365
Total			102				2,488,748				—				543,401				—				—				—				5,254				—				—				5,321				4,609				—				13,739			3,061,174
Financial instruments at amortized cost			—				839,744				—				—				—				—				—				—				—				—				—				—				—				—			839,744

Schedule of guarantees values

						Fair value of collateral and credit enhancements held as of December 31, 2020
		Maximum exposure to credit risk				Mortgages				Pledge (*)				Securities				Warrants				Net  collateral				Net exposure
Loans to customers:		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Corporate lending			12,810,975				3,091,284				128,366				565,761				2,842				3,788,253				9,022,722
Small business lending			4,790,622				3,178,176				28,832				14,242				—				3,221,250				1,569,372
Consumer lending			3,948,721				333,191				795				2,518				—				336,504				3,612,217
Mortgage lending			9,387,372				8,499,584				113				87				—				8,499,784				887,588
Total			30,937,690				15,102,235				158,106				582,608				2,842				15,845,791				15,091,899

						Fair value of collateral and credit enhancements held as of December 31, 2021
		Maximum exposure to credit risk				Mortgages				Pledge (*)				Securities				Warrants				Net collateral				Net exposure
Loans to customers:		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Corporate lending			14,633,419				3,392,760				149,892				508,711				4,451				4,055,814				10,577,605
Small business lending			5,038,913				3,124,172				26,310				12,898				—				3,163,380				1,875,533
Consumer lending			4,247,013				317,215				622				2,498				—				320,335				3,926,678
Mortgage lending			10,346,528				8,730,747				96				196				—				8,731,039				1,615,489
Total			34,265,873				15,564,894				176,920				524,303				4,451				16,270,568				17,995,305

(*) Includes agricultural and industrial pledges, and pledges without conveyance.

Schedule of credit quality by asset class, based on the Bank's credit rating system

		Default
		1 to 29 days				30 to 59 days				60 to 89 days
		MCh$				MCh$				MCh$
Loans and advances to banks		14,454				—				—
Subtotal past-due loans and advances to banks			14,454				—				—
Commercial loans			133,625				29,240				13,039
Import-export financing			5,246				71				223
Factoring transactions			16,255				1,464				157
Commercial lease transactions			17,889				3,904				979
Other loans and receivables			1,449				135				162
Residential mortgage loans			90,462				24,875				9,795
Consumer loans			136,147				53,786				22,764
Subtotal past-due loans to customers			401,073				113,475				47,119
Total			415,527				113,475				47,119

		Default
		1 to 29 days				30 to 59 days				60 to 89 days
		MCh$				MCh$				MCh$
Loans and advances to banks			116,307				—				—
Subtotal past-due loans and advances to banks			116,307				—				—
Commercial loans			182,781				62,020				14,680
Import-export financing			7,874				189				2,666
Factoring transactions			17,255				1,790				332
Commercial lease transactions			17,056				4,758				1,736
Other loans and receivables			1,367				309				356
Residential mortgage loans			113,040				35,687				19,095
Consumer loans			124,422				52,105				21,308
Subtotal past-due loans to customers			463,795				156,858				60,173
Total			580,102				156,858				60,173

Schedule of aging analysis of loans

						Past due but not impaired(*)
		Neither past due nor 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
As of December 31,		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
2020			29,425,612				272,409				51,812				13,531				451				29,763,815
2021			32,836,252				409,338				51,001				15,402				87				33,312,080

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

Schedule of book value of loans with renegotiated terms

		2020				2021
Financial assets		MCh$				MCh$
Loans and advances to banks
Domestic banks			—				—
Foreign banks			—				—
Subtotal			—				—
Loans to Customers at amortized cost
Commercial loans			288,094				331,127
Residential mortgage loans			253,907				243,684
Consumer loans			532,420				361,015
Subtotal			1,074,421				935,826
Total renegotiated financial assets			1,074,421				935,826

Schedule of amortized costs and net loss of modified financial assets

		2021
		MCh$
Amortized costs of financial assets modified during the period			122,014
Net modification loss			24,594

Schedule of amortized costs and net loss of modified financial assets

December 31, 2021

Post modification

Pre-modification

Gross carrying amount

Corresponding ECL

Gross carrying amount

Corresponding ECL

MCh$

MCh$

MCh$

MCh$

Facilities that have cured since modification and are now measured using 12mECLs (Stage 1)

13,552

1,400

13,682

2,036

Facilities that reverted to (Stage 2/3) lifetime ECLs having once cured

8,154

2,108

8,122

1,336

Schedule of use of MAR

		MAR LCCY + FCCY						MAR FCCY
		MMM$						MMUS$
			1 – 30 days			1 – 90 days			1 – 30 days			1 – 90 days
Maximum			1,290			3,765			1,550			2,712
Minimum			-1,530			647			-866			238
Average			130			2,330			208			1,271

Schedule of use of Cross Currency Funding

		Cross Currency Funding
		MMUS$
Maximum			3,637
Minimum			1,446
Average			2,582

Schedule of financial ratios

		Liquid Assets/ Net Funding <30 days				Liabilities>1 year/ Assets >1 year				Deposits/ Loans
Maximum			216	%			106	%			72	%
Minimum			161	%			92	%			65	%
Average			192	%			97	%			68	%

Schedules for calculation of C46 regulatory information

		Adjusted C46 All CCYs as part of Tier-1 Capital						Adjusted C46 FCCY as part of Tier-1 Capital
		1 – 30 days			1 – 90 days				1 – 30 days
Maximum		0.17			0.14				0.36
Minimum		(0.22)			(0.23)				0.08
Average		(0.02)			(0.02)				0.22
Regulatory Limit		1.0			2.0				1.0

Schedule of the LCR and the NSFR

		LCR				NSFR
Maximum			2.46				1.13
Minimum			1.78				1.07
Average			2.09				1.10
Regulatory Limit			0.8	(*)			N/A

(*) This is the current minimum value for the year 2021 and that increases 0.1 annually until reaching 1.0 in the year 2023.

Schedule of contractual maturity of financial liabilities

		Up to 1 month				1 to 3 months				3 to 12 months				1 to 3 years				3 to 5 years				Over 5 years				Total
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Liabilities as of December 31, 2021
Current accounts and other demand deposits			18,542,791				—				—				—				—				—				18,542,791
Transactions in the course of payment			210,479				—				—				—				—				—				210,479
Reverse repurchase agreements and securities lending			88,433				—				52				—				—				—				88,485
Savings accounts and time deposits			7,103,640				1,774,627				240,912				66,492				1,619				—				9,187,290
Full delivery derivative transactions			434,113				469,349				2,603,467				1,645,489				968,078				1,761,581				7,882,077
Borrowings from financial institutions			67,813				1,259,167				18,344				3,515,979				—				—				4,861,303
Other financial obligations			273,394				50				183				183				—				—				273,810
Debt instruments issued in foreign currency other than USD			17,154				369,988				1,083,540				2,358,966				2,104,219				4,839,310				10,773,177
Total (excluding non-delivery derivative transactions)			26,737,817				3,873,181				3,946,498				7,587,109				3,073,916				6,600,891				51,819,412
Non-delivery derivative transactions			271,193				586,231				2,602,915				1,030,628				669,796				2,145,008				7,305,771

		Up to 1 month				1 to 3 months				3 to 12 months				1 to 3 years				3 to 5 years				Over 5 years				Total
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Liabilities as of December 31, 2020
Current accounts and other demand deposits			15,167,229				—				—				—				—				—				15,167,229
Transactions in the course of payment			882,944				—				—				—				—				—				882,944
Reverse repurchase agreements and securities lending			289,777				43				—				—				—								289,820
Savings accounts and time deposits			6,243,204				1,964,350				648,974				59,038				1,222				156				8,916,944
Full delivery derivative transactions			396,599				364,793				1,305,210				1,088,925				549,777				934,097				4,639,401
Borrowings from financial institutions			74,424				140,455				340,532				1,020,126				2,090,600				—				3,666,137
Other financial obligations			189,003				80				334				386				37				—				189,840
Debt instruments issued in foreign currency other than USD			53,438				90,285				1,082,282				2,194,406				1,886,936				4,452,831				9,760,178
Total (excluding non-delivery derivative transactions)			23,296,618				2,560,006				3,377,332				4,362,881				4,528,572				5,387,084				43,512,493
Non-delivery derivative transactions			401,144				570,084				929,211				787,866				644,420				1,542,088				4,874,813

Schedule of use of VaR

		Value-at-Risk 99% one-day confidence level
		MCh$
Maximum			1,606
Minimum			425
Average			971

Schedule of use of EaR

		12- months Earnings-at-Risk 99% confidence level 3 months defeasance period
		MCh$
Maximum			155,073
Minimum			102,504
Average			119,551

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, 2020
Cash and due from banks			2,496,891				—				—				—				—				—				2,496,891
Transactions in the course of collection			96,444				—				—				—				—				—				96,444
Investment under resale agreements			10,007				—				—				—				—				—				10,007
Derivative instruments under hedge-accounting treatment			260				1,800				182,709				250,612				282,219				995,168				1,712,768
Inter-banking loans			2,743,250				71,543				125,574				—				—				—				2,940,367
Customer loans			3,180,598				2,339,929				6,504,393				8,134,601				4,437,666				10,877,247				35,474,434
Financial Assets at Fair Value through OCI			94,086				145,272				456,613				185,995				31,465				145,987				1,059,418
Financial instruments at amortized cost			—				—				—				—				—				—				—
Total assets			8,621,536				2,558,544				7,269,289				8,571,208				4,751,350				12,018,402				43,790,329
Assets as of December 31, 2021
Cash and due from banks			3,579,634				—				—				—				—				—				3,579,634
Transactions in the course of collection			196,592				—				—				—				—				—				196,592
Investment under resale agreements			—				—				—				—				—				—				—
Derivative instruments under hedge-accounting treatment			64				2,163				69,192				500,218				198,926				1,669,980				2,440,543
Inter-banking loans			1,366,378				81,164				81,800				—				—				—				1,529,342
Customer loans			2,529,601				2,676,130				7,226,224				9,018,799				4,798,188				11,955,962				38,204,904
Financial Assets at Fair Value through OCI			95,585				488,919				1,479,321				619,044				169,289				208,507				3,060,665
Financial instruments at amortized cost			—				8,334				10,740				38,148				431,285				450,200				938,707
Total assets			7,767,854				3,256,710				8,867,277				10,176,209				5,597,688				14,284,649				49,950,387

		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, 2020
Current accounts and demand deposits			15,245,137				—				—				—				—				—				15,245,137
Transactions in the course of payment			816,294				—				—				—				—				—				816,294
Obligations under repurchase agreements			13,255				—				—				—				—				—				13,255
Savings accounts and interest-bearing deposits			6,243,204				1,964,350				648,974				59,038				1,222				156				8,916,944
Derivative hedging instruments			160				291				192,625				230,742				280,421				1,057,369				1,761,608
Inter-banking borrowings			72,935				140,455				340,532				1,020,126				2,090,600				—				3,664,648
Debt instruments issued (*)			53,438				90,285				1,082,282				2,194,406				1,886,936				4,452,831				9,760,178
Other liabilities			189,003				80				334				386				37				—				189,840
Total liabilities			22,633,426				2,195,461				2,264,747				3,504,698				4,259,216				5,510,356				40,367,904
Liabilities as of December 31, 2021
Current accounts and demand deposits			18,611,880				—				—				—				—				—				18,611,880
Transactions in the course of payment			83,420				—				—				—				—				—				83,420
Obligations under repurchase agreements			351				—				—				—				—				—				351
Savings accounts and interest-bearing deposits			7,103,640				1,774,627				240,912				66,492				1,619				—				9,187,290
Derivative hedging instruments			538				979				62,220				407,960				167,805				1,401,836				2,041,338
Inter-banking borrowings			63,611				1,259,167				18,344				3,515,979				—				—				4,857,101
Debt instruments issued (*)			17,154				369,988				1,083,540				2,358,966				2,104,219				4,839,310				10,773,177
Other liabilities			273,394				50				183				183				—				—				273,810
Total liabilities			26,153,988				3,404,811				1,405,199				6,349,580				2,273,643				6,241,146				45,828,367

(*) 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 Adverse scenario market factors fluctuations

Average Fluctuations of Market Factors for Maximum Stress Scenario Trading Book
		CLP Derivatives (bps)				CLP Bonds (bps)				CLF Derivatives (bps)				CLF Bonds (bps)				USD Offshore Libor Derivatives (bps)				Spread USD On/Off Derivatives (bps)
Less than 1 year			(28	)			110				18				147				(8	)			1
Greater than 1 year			(12	)			81				61				149				(16	)			8

Average Fluctuations of Market Factors for Maximum Stress Scenario AFS Portfolio
		CLP Bonds (bps)				CLF Bonds (bps)				USD Offshore Libor Derivatives (bps)				Spread USD On/Off Derivatives (bps)
Less than 1 year			306				306				(15	)			(22	)
Greater than 1 year			278				309				(6	)			2

Schedule of Potential Profit and Loss Impact on Trading Book

Most Adverse Stress Scenario P&L Impact Trading Book (MCh$)
CLP Interest Rate							(2,365	)
Derivatives			(432	)
Debt instruments			(1,933	)
CLF Interest Rate							(11,313	)
Derivatives			118
Debt instruments			(11,431	)
Interest rate USD offshore							(64	)
Domestic/offshore interest rate spread USD							(48	)
Banking spread							(389	)
Total Interest rates							(14,179	)
Total FX and FX Options							137
Total							(14,042	)

Most Adverse Stress Scenario P&L Impact AFS portfolio (MCh$)
CLP Debt Instrument			(77,209	)
CLF Debt Instrument			(84,858	)
Interest rate USD offshore			—
Domestic/offshore interest rate spread USD			—
Banking spread			(405	)
Corporative spread			220
Total			(162,252	)

Schedule of NRFF impact on accrual book for next 12-months

Most Adverse Stress Scenario 12-Month Revenue Accrual Book (MCh$)
Impact by Base Interest Rate shocks			(391,392	)
Impact due to Spreads Shocks			(16,255	)
Higher / (Lower) Net revenues			(407,647	)

Schedule of risk weighted assets, basic capital ratio and regulatory capital ratio

		Total assets, risk-weighted assets and Regulatory Capital Components			Overall consolidated				Local consolidated
		according to Basel III			Dec-2021				Dec-2021
Item No.		Item description			MCh$				MCh$
1		Total assets according to the statement of financial position			51,702,439				51,702,439
2		Non-consolidated investment in subsidiaries			—				—
3		Assets discounted from regulatory capital, other than item 2			61,953				61,953
4		Derivative credit equivalents			1,782,784				1,782,784
4.1		Financial derivative contracts			2,983,298				2,983,298
5		Contingent loans			2,612,170				2,612,170
6		Assets generated by the intermediation of financial instruments			—				—
7		= (1-2-3+4-4.1+5-6) Total assets for regulatory purposes			53,052,142				53,052,142
8.a		Credit risk-weighted assets, estimated according to the standard methodology (CRWA)			28,280,644				28,280,644
8.b		Credit risk-weighted assets, estimated according to internal methodologies (CRWA)			—				—
9		Market risk-weighted assets (MRWA)			1,342,767				1,342,767
10		Operational risk-weighted assets (ORWA)			2,956,592				2,956,592
11.a		= (8.a/8.b+9+10) Risk-weighted assets (RWA)			32,580,003				32,580,003
11.b		= (8.a/8.b+9+10) Risk-weighted assets, after application of the output floor (RWA)			32,580,003				32,580,003
12		Owner’s equity			4,223,013				4,223,013
13		Non-controlling interest			1				1
14		Goodwill			—				—
15		Excess minority investments			—				—
16		= (12+13-14-15) Common Equity Tier 1 Capital (CET1)			4,223,014				4,223,014
17		Additional deductions to Common Equity Tier 1 Capital, other than item 2			—				—
18		= (16-17-2) Common Equity Tier 1 Capital (CET1)			4,223,014				4,223,014
19		Voluntary provisions (additional) computed as additional Tier 1 capital (AT1)			325,800				325,800
20		Subordinated bonds computed as additional tier 1 capital (AT1)			—				—
21		Preferred shares allocated to additional tier 1 capital (AT1)			—				—
22		Bonds without a fixed term of maturity imputed to additional tier 1 capital (AT1)			—				—
23		Discounts applied to AT1			—				—
24		= (19+20+21+22-23) Additional Tier 1 Capital (AT1)			325,800				325,800
25		= (18+24) Tier 1 Capital			4,548,814				4,548,814
26		Voluntary provisions (additional) computed as Tier 2 capital (T2)			214,452				214,452
27		Subordinated bonds computed as Tier 2 capital (T2)			871,079				871,079
28		= (26+27) Equivalent tier 2 capital (T2)			1,085,531				1,085,531
29		Discounts applied to T2			—				—
30		= (28-29) Tier 2 capital (T2)			1,085,531				1,085,531
31		= (25+30) Total or Regulatory Capital			5,634,345				5,634,345
32		Additional CET 1 Capital required for the constitution of the conservation buffer			0				0
33		Additional CET 1 Capital required to set up the countercyclical buffer			0				0
34		Additional CET 1 Capital required for banks qualified as systemic			0				0
35		Additional capital required for the evaluation of the adequacy of Total or Regulatory Capital (Pillar 2)			0				0

Capital Adequacy Ratios and Regulatory Compliance According to Basel III			Overall consolidated Dec-2021				Local consolidated Dec-2021
			%				%
Leverage Ratio ( I18/ I7)			7.96	%			7.96	%
Common Equity Tier 1 (CET1) Capital Ratio ( I18 / I11.b)			12.96	%			12.96	%
Tier 1 capital Ratio ( I25 / I11.b)			13.96	%			13.96	%
Total or Regulatory Capital Ratio ( I31/ I11.b)			17.29	%			17.29	%
Credit rating			A				A
Regulatory Compliance for Capital Adequacy
Additional provisions computed as Tier 2 capital (T2) in relation to Credit RWA			0.76	%			0.76	%
Subordinated bonds computed as Tier 2 capital (T2) in relation to CET 1 Capital			20.63	%			20.63	%
Additional Tier 1 Capital (AT1) in relation to CET 1 Capital			7.71	%			7.71	%
Voluntary (additional) provisions and subordinated bonds computed as AT1 in relation to RWAs			1.00	%			1.00	%

		As of December 31,
		2020				2021 (*)
		MCh$				MCh$
Basic capital			3,726,267				4,223,013
Regulatory capital			4,878,500				5,522,703
Total consolidated assets			48,754,455				55,261,371
Total consolidated credit risk-weighted assets			30,566,571				34,288,733

		Ratio
		As of December 31,
		2020				2021 (*)
		%				%
Basic capital / consolidated assets			7.64				7.64
Regulatory capital / consolidated risk-weighted assets			15.96				16.11

(*) Information for comparative purposes based on standards contained in Chapter 12-1 of the RAN.

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The disclosure of a maturity analysis for financial liabilities.

+ References

No definition available.

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- Definition

Analysis of the age of financial assets that are past due but not impaired. [Refer: Financial assets]

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Note Expiry date 2023-01-01
-Name IFRS
-Number 7
-IssueDate 2021-01-01
-Paragraph 37
-Subparagraph a
-URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2017-en-b&anchor=para_37_a&doctype=Standard&book=b
-URIDate 2021-03-24

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X

- Definition

The disclosure of the credit risk exposure. Credit risk exposure is the credit risk inherent in an entity’s financial assets and commitments to extend credit.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Name IFRS
-Number 7
-IssueDate 2021-01-01
-Paragraph 35M
-URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_35M&doctype=Standard
-URIDate 2021-03-24

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- Definition

The disclosure of internal credit grades. [Refer: Internal credit grades [member]]

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Note Expiry date 2023-01-01
-Name IFRS
-Number 7
-IssueDate 2021-01-01
-Paragraph IG25
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-Note Expiry date 2023-01-01
-Name IFRS
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-IssueDate 2021-01-01
-Paragraph 36
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