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Administrative Expenses | 12 Months Ended
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Dec. 31, 2023
Administrative Expenses Disclosure [Abstract] |
Administrative expenses |
36. | Administrative expenses:
This item is composed as follows:
|  | 2023 |  |  | 2022 |  |  | 2021 |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |
General administrative expenses |  |  |  |  |  |  |  |  |
Information technology and communications |  |  | 144,516 |  |  |  | 125,763 |  |  |  | 109,026 |
Maintenance and repair of property and equipment |  |  | 49,632 |  |  |  | 42,157 |  |  |  | 39,679 |
External advisory services and professional services fees |  |  | 11,576 |  |  |  | 15,267 |  |  |  | 16,819 |
Surveillance and securities transport services |  |  | 11,265 |  |  |  | 12,996 |  |  |  | 13,229 |
Insurance premiums except to cover operational risk events |  |  | 9,946 |  |  |  | 8,465 |  |  |  | 7,621 |
Office supplies |  |  | 8,660 |  |  |  | 9,288 |  |  |  | 8,093 |
External service of financial information and fraud prevention |  |  | 7,483 |  |  |  | 6,543 |  |  |  | 7,811 |
Legal and notary expenses |  |  | 5,433 |  |  |  | 3,733 |  |  |  | 4,308 |
Energy, heating and other utilities |  |  | 5,513 |  |  |  | 5,307 |  |  |  | 4,445 |
Postal box, mail, postage and home delivery services |  |  | 4,839 |  |  |  | 4,372 |  |  |  | 4,718 |
Other expenses of obligations for lease contracts |  |  | 4,431 |  |  |  | 3,731 |  |  |  | 4,227 |
External service of custody of documentation |  |  | 3,943 |  |  |  | 3,846 |  |  |  | 3,094 |
Expenses for short-term leases |  |  | 3,860 |  |  |  | 2,782 |  |  |  | 3,371 |
Donations |  |  | 3,251 |  |  |  | 1,666 |  |  |  | 3,199 |
Representation and travel expenses |  |  | 3,249 |  |  |  | 2,449 |  |  |  | 2,703 |
Card embossing service |  |  | 1,749 |  |  |  | 1,268 |  |  |  | 1,063 |
Fees for other technical reports |  |  | 1,034 |  |  |  | 799 |  |  |  | 729 |
Fees for review and audit of the financial statements by the external auditor |  |  | 750 |  |  |  | 839 |  |  |  | 702 |
Expenses for leases low value |  |  | 509 |  |  |  | 491 |  |  |  | 453 |
Fines applied by other agencies |  |  | 108 |  |  |  | 211 |  |  |  | 152 |
Fees for review and audit of the financial statements by the external auditor |  |  | 72 |  |  |  | 28 |  |  |  | 154 |
Other general administrative expenses |  |  | 11,407 |  |  |  | 9,261 |  |  |  | 1,970 |
Outsource services |  |  |  |  |  |  |  |  |  |  |  |
Technological developments expenses, certification and technology testing |  |  | 23,715 |  |  |  | 17,939 |  |  |  | 17,526 |
Data processing |  |  | 11,907 |  |  |  | 8,385 |  |  |  | 9,407 |
External credit evaluation service |  |  | 5,729 |  |  |  | 5,208 |  |  |  | 4,958 |
External collection service |  |  | 4,414 |  |  |  | — |  |  |  | 19 |
External human resources administration services and supply of external personnel |  |  | 1,724 |  |  |  | 1,438 |  |  |  | 1,094 |
External cleaning service, casino, custody of files and documents, storage of furniture and equipment |  |  | 390 |  |  |  | 358 |  |  |  | 355 |
Call Center service for sales, marketing, quality control customer service |  |  | 113 |  |  |  | 92 |  |  |  | 98 |
Board expenses |  |  |  |  |  |  |  |  |  |  |  |
Board of Directors Compensation |  |  | 3,347 |  |  |  | 3,095 |  |  |  | 2,889 |
Other Board expenses |  |  | 119 |  |  |  | 102 |  |  |  | 16 |
Marketing |  |  | 39,617 |  |  |  | 35,280 |  |  |  | 30,652 |
Taxes, contributions and other legal charges |  |  |  |  |  |  |  |  |  |  |  |
Contribution to the banking regulator |  |  | 14,785 |  |  |  | 13,566 |  |  |  | 11,968 |
Real estate contributions |  |  | 5,521 |  |  |  | 4,727 |  |  |  | 4,852 |
Taxes other than income tax |  |  | 2,530 |  |  |  | 2,207 |  |  |  | 1,785 |
Municipal patents |  |  | 1,647 |  |  |  | 1,568 |  |  |  | 1,395 |
Other legal charges |  |  | 60 |  |  |  | 47 |  |  |  | 45 |
Total |  |  | 408,844 |  |  |  | 355,274 |  |  |  | 324,625 |

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