XML 116 R98.htm IDEA: XBRL DOCUMENT v3.23.1
Information on Regulatory Capital and Capital Adequacy Ratios (Tables)
 12 Months Ended
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%