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Information on Regulatory Capital and Capital Adequacy Ratios (Tables) | 12 Months Ended
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Dec. 31, 2022
Information on Regulatory Capital and Capital Adequacy Ratios [Abstract] |
Schedule of total assets, risk-weighted assets and components of the effective equity according to Basel III |
|  | Total assets, risk-weighted assets and components of the |  | Local and Overall consolidated |  |  | Local and Overall consolidated |
|  | effective equity according to Basel III |  | Dec -2022 |  |  | Dec-2021 |
Item No. |  | Item description |  | MCh$ |  |  | MCh$ |
1 |  | Total assets according to the statement of financial position |  |  | 55,255,362 |  |  |  | 51,702,439 |
2 |  | Non-consolidated investment in subsidiaries |  |  | — |  |  |  | — |
3 |  | Assets discounted from regulatory capital, other than item 2 |  |  | 165,833 |  |  |  | 61,953 |
4 |  | Derivative credit equivalents |  |  | 1,276,512 |  |  |  | 1,782,784 |
4.1 |  | Financial derivative contracts |  |  | 2,987,106 |  |  |  | 2,983,298 |
5 |  | Contingent loans |  |  | 2,756,396 |  |  |  | 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 |  |  | 56,135,331 |  |  |  | 53,052,142 |
8.a |  | Credit risk weighted assets, estimated according to the standard methodology (CRWA) |  |  | 30,657,020 |  |  |  | 28,434,728 |
8.b |  | Credit risk weighted assets, estimated according to internal methodologies (CRWA) |  |  | — |  |  |  | — |
9 |  | Market risk weighted assets (MRWA) |  |  | 1,365,367 |  |  |  | 1,342,767 |
10 |  | Operational risk weighted assets (ORWA) |  |  | 3,630,835 |  |  |  | 2,946,980 |
11.a |  | = (8.a/8.b+9+10) Risk-weighted assets (RWA) |  |  | 35,653,222 |  |  |  | 32,724,475 |
11.b |  | = (8.a/8.b+9+10) Risk-weighted assets, after application of the output floor (RWA) |  |  | 35,653,222 |  |  |  | 32,724,475 |
12 |  | Owner’s equity |  |  | 4,858,325 |  |  |  | 4,223,013 |
13 |  | Non-controlling interest |  |  | 2 |  |  |  | 1 |
14 |  | Goodwill |  |  | — |  |  |  | — |
15 |  | Excess minority investments |  |  | — |  |  |  | — |
16 |  | = (12+13-14-15) Core Tier 1 Capital (CET1) |  |  | 4,858,327 |  |  |  | 4,223,014 |
17 |  | Additional deductions to core tier 1 capital, other than item 2 |  |  | (18,940 | ) |  |  | — |
18 |  | = (16-17-2) Core Tier 1 Capital (CET1) |  |  | 4,839,387 |  |  |  | 4,223,014 |
19 |  | Voluntary provisions (additional) imputed as additional Tier 1 capital (AT1) |  |  | 178,266 |  |  |  | 327,245 |
20 |  | Subordinated bonds imputed 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) |  |  | 178,266 |  |  |  | 327,245 |
25 |  | = (18+24) Tier 1 Capital |  |  | 5,017,653 |  |  |  | 4,550,259 |
26 |  | Voluntary provisions (additional) imputed as Tier 2 capital (T2) |  |  | 383,213 |  |  |  | 213,007 |
27 |  | Subordinated bonds imputed as Tier 2 capital (T2) |  |  | 972,550 |  |  |  | 871,079 |
28 |  | = (26+27) Equivalent tier 2 capital (T2) |  |  | 1,355,763 |  |  |  | 1,084,086 |
29 |  | Discounts applied to T2 |  |  | — |  |  |  | — |
30 |  | = (28-29) Tier 2 capital (T2) |  |  | 1,355,763 |  |  |  | 1,084,086 |
31 |  | = (25+30) Effective equity |  |  | 6,373,416 |  |  |  | 5,634,345 |
32 |  | Additional basic capital required for the constitution of the conservation buffer |  |  | 445,669 |  |  |  | 204,522 |
33 |  | Additional basic capital required to set up the countercyclical buffer |  |  | — |  |  |  | — |
34 |  | Additional basic capital required for banks qualified as systemic |  |  | 111,417 |  |  |  | — |
35 |  | Additional capital required for the evaluation of the adequacy of effective equity (Pillar 2) |  |  | — |  |  |  | — |
Schedule of capital Adequacy Ratios and Regulatory Compliance according to Basel III |
|  | Local and Overall consolidated |  |  | Local and Overall consolidated |
|  | December -2022 |  |  | December -2021 |
Capital Adequacy Ratios and Regulatory Compliance according to Basel III |  | % |  |  | % |
Leverage Ratio |  |  | 8.62 | % |  |  | 7.96 | %
Leverage Ratio that the bank must meet, considering the minimum requirements |  |  | 3 | % |  |  | 3 | %
CET 1 Capital Ratio |  |  | 13.57 | % |  |  | 12.90 | %
CET 1 Capital Ratio that the bank must meet, considering the minimum requirements |  |  | 4.81 | % |  |  | 4.50 | %
Capital buffer shortfall |  |  | 0 | % |  |  | 0 | %
Tier 1 Capital Ratio |  |  | 14.07 | % |  |  | 13.90 | %
Tier 1 Capital Ratio that the bank must meet, considering the minimum requirements |  |  | 6.00 | % |  |  | 6.00 | %
Total or Regulatory Capital Ratio |  |  | 17.88 | % |  |  | 17.22 | %
Total or Regulatory Capital Ratio that the bank must meet, considering the minimum requirements |  |  | 8.00 | % |  |  | 8.00 | %
Total or Regulatory Capital Ratio that the bank must meet, considering the charge for article 35 bis |  |  | 8.00 | % |  |  | 9.5 | %
Total or Regulatory Capital Ratio that the bank must meet, considering the minimum requirements, conservation buffer and countercyclical buffer |  |  | 9.25 | % |  |  | 8.625 | %
Credit rating |  |  | A |  |  |  | A |
Regulatory compliance for Capital Adequacy |  |  |  |  |  |  |  |
Additional provisions computed in Tier 2 capital (T2) in relation to CRWA |  |  | 1.25 | % |  |  | 0.75 | %
Subordinated bonds computed as Tier 2 capital (T2) in relation to CET 1 Capital |  |  | 20.02 | % |  |  | 20.63 | %
Additional Tier 1 Capital (AT1) in relation to CET 1 Capital |  |  | 3.68 | % |  |  | 7.75 | %
Voluntary (additional) provisions and subordinated bonds computed as AT1 in relation to RWAs |  |  | 0.50 | % |  |  | 1.00 | %

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