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Risk Management and Report (Tables) | 12 Months Ended
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Dec. 31, 2023
Risk Management and Report Disclosure [Abstract] |
Schedule of Credit Risk Exposure Per Balance Sheet Item, Including Derivatives, Detailed by Both Geographic Region and Industry Sector | The following tables show credit risk exposure per balance sheet item, including derivatives, detailed by both geographic region and industry sector as of December 31, 2023:
|  | Chile |  |  | United States |  |  | England |  |  | Brazil |  |  | Others |  |  | Total |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Financial Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash and Due from Banks |  |  | 1,536,512 |  |  |  | 811,198 |  |  |  | 27,492 |  |  |  | 9 |  |  |  | 89,437 |  |  |  | 2,464,648 |
Financial assets held for trading at fair value through profit or loss |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Derivative contracts Financial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Forwards (*) |  |  | 129,760 |  |  |  | 13,712 |  |  |  | 27,450 |  |  |  | — |  |  |  | 41,717 |  |  |  | 212,639 |
Swaps (**) |  |  | 739,444 |  |  |  | 59,478 |  |  |  | 856,718 |  |  |  | — |  |  |  | 162,515 |  |  |  | 1,818,155 |
Call Options |  |  | 1,939 |  |  |  | 248 |  |  |  | 955 |  |  |  | — |  |  |  | 293 |  |  |  | 3,435 |
Put Options |  |  | 542 |  |  |  | 70 |  |  |  | 654 |  |  |  | — |  |  |  | 45 |  |  |  | 1,311 |
Futures |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | 871,685 |  |  |  | 73,508 |  |  |  | 885,777 |  |  |  | — |  |  |  | 204,570 |  |  |  | 2,035,540 |
Debt Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
From the Chilean Government and Central Bank |  |  | 3,027,313 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,027,313 |
Other debt financial instruments issued in Chile |  |  | 336,311 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 336,311 |
Financial debt instruments issued Abroad |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | 3,363,624 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,363,624 |
Others Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investments in mutual funds |  |  | 405,752 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 405,752 |
Equity instruments |  |  | 2,058 |  |  |  | 485 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,543 |
Others |  |  | 844 |  |  |  | 145 |  |  |  | — |  |  |  | — |  |  |  | 44 |  |  |  | 1,033 |
Subtotal |  |  | 408,654 |  |  |  | 630 |  |  |  | — |  |  |  | — |  |  |  | 44 |  |  |  | 409,328 |
Financial Assets at fair value through other comprehensive income |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Debt Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
From the Chilean Government and Central Bank |  |  | 1,837,652 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,837,652 |
Other debt financial instruments issued in Chile |  |  | 1,741,665 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,741,665 |
Financial debt instruments issued Abroad |  |  | — |  |  |  | 207,208 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 207,208 |
Subtotal |  |  | 3,579,317 |  |  |  | 207,208 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,786,525 |
Equity Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity instruments issued in Chile |  |  | 10,601 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 10,601 |
Equity instruments issued by foreign institutions |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,311 |  |  |  | 1,311 |
Subtotal |  |  | 10,601 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,311 |  |  |  | 11,912 |
Derivative contracts financial for hedging purposes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Forwards |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Swaps |  |  | — |  |  |  | 11,975 |  |  |  | 18,712 |  |  |  | — |  |  |  | 18,378 |  |  |  | 49,065 |
Call Options |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Put Options |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Futures |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | — |  |  |  | 11,975 |  |  |  | 18,712 |  |  |  | — |  |  |  | 18,378 |  |  |  | 49,065 |
Financial assets at amortized cost |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Rights by resale agreements and securities lending |  |  | 71,822 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 71,822 |
Debt Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
From the Chilean Government and Central Bank |  |  | 1,431,141 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,431,141 |
Subtotal |  |  | 1,431,141 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,431,141 |
Loans and advances to Banks |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Central Bank of Chile |  |  | 2,100,933 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,100,933 |
Domestic banks |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Foreign banks (***) |  |  | — |  |  |  | — |  |  |  | 436 |  |  |  | 205,362 |  |  |  | 213,200 |  |  |  | 418,998 |
Subtotal |  |  | 2,100,933 |  |  |  | — |  |  |  | 436 |  |  |  | 205,362 |  |  |  | 213,200 |  |  |  | 2,519,931 |
Loans to Customers, Net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 20,008,787 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21,257 |  |  |  | 20,030,044 |
Residential mortgage loans |  |  | 12,310,768 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 12,310,768 |
Consumer loans |  |  | 5,310,462 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,310,462 |
Subtotal |  |  | 37,630,017 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21,257 |  |  |  | 37,651,274 |
(*) | Others includes: France Ch$33,034 million and Spain Ch$7 million.
(**) | Others includes: France Ch$38,199 million and Spain Ch$31,881 million.
(***) | Others includes: China Ch$109,229 million.
|  | Central Bank of Chile |  |  | Government |  |  | Retail (Individuals) |  |  | Financial Services |  |  | Trade |  |  | Manufacturing |  |  | Mining |  |  | Electricity, Gas and Water |  |  | Agriculture and Livestock |  |  | Fishing |  |  | Transportation and Telecom |  |  | Construction |  |  | Services |  |  | Others |  |  | Total |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Cash and Due from Banks |  |  | 590,426 |  |  |  | — |  |  |  | — |  |  |  | 1,874,222 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,464,648 |
Financial Assets held for trading at fair value through profit or loss |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Derivative contracts Financial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Forwards |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 124,808 |  |  |  | 15,853 |  |  |  | 6,396 |  |  |  | 132 |  |  |  | 1,834 |  |  |  | 3,529 |  |  |  | 3 |  |  |  | 1,074 |  |  |  | 1,589 |  |  |  | 57,421 |  |  |  | — |  |  |  | 212,639 |
Swaps |  |  | — |  |  |  | — |  |  |  | 243 |  |  |  | 1,739,380 |  |  |  | 2,610 |  |  |  | 10,797 |  |  |  | — |  |  |  | 15,664 |  |  |  | 3,848 |  |  |  | 2,609 |  |  |  | 24,116 |  |  |  | 14,914 |  |  |  | 3,974 |  |  |  | — |  |  |  | 1,818,155 |
Call Options |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,899 |  |  |  | 422 |  |  |  | 252 |  |  |  | — |  |  |  | — |  |  |  | 834 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 28 |  |  |  | — |  |  |  | 3,435 |
Put Options |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 809 |  |  |  | 277 |  |  |  | 212 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13 |  |  |  | — |  |  |  | 1,311 |
Futures |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | — |  |  |  | — |  |  |  | 243 |  |  |  | 1,866,896 |  |  |  | 19,162 |  |  |  | 17,657 |  |  |  | 132 |  |  |  | 17,498 |  |  |  | 8,211 |  |  |  | 2,612 |  |  |  | 25,190 |  |  |  | 16,503 |  |  |  | 61,436 |  |  |  | — |  |  |  | 2,035,540 |
Debt Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
From the Chilean Government and Central Bank |  |  | 2,799,442 |  |  |  | 227,871 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,027,313 |
Other debt financial instruments issued in Chile |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 336,311 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 336,311 |
Financial debt instruments issued Abroad |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | 2,799,442 |  |  |  | 227,871 |  |  |  | — |  |  |  | 336,311 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,363,624 |
Others Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investments in mutual funds |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 405,752 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 405,752 |
Equity instruments |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,543 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,543 |
Others |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,033 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,033 |
Subtotal |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 409,328 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 409,328 |
Financial Assets at fair value through Other Comprehensive Income |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Debt Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
From the Chilean Government and Central Bank |  |  | 473,642 |  |  |  | 1,364,010 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,837,652 |
Other debt financial instruments issued in Chile |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,457,305 |  |  |  | 17,791 |  |  |  | — |  |  |  | — |  |  |  | 12,507 |  |  |  | 7,277 |  |  |  | — |  |  |  | 4,837 |  |  |  | — |  |  |  | — |  |  |  | 241,948 |  |  |  | 1,741,665 |
Financial debt instruments issued Abroad |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 207,208 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 207,208 |
Subtotal |  |  | 473,642 |  |  |  | 1,364,010 |  |  |  | — |  |  |  | 1,664,513 |  |  |  | 17,791 |  |  |  | — |  |  |  | — |  |  |  | 12,507 |  |  |  | 7,277 |  |  |  | — |  |  |  | 4,837 |  |  |  | — |  |  |  | — |  |  |  | 241,948 |  |  |  | 3,786,525 |
Equity Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity instruments issued in Chile |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 10,601 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 10,601 |
Equity instruments issued by foreign institutions |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,311 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,311 |
Subtotal |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 11,912 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 11,912 |
Derivative contracts financial for hedging purposes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Forwards |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Swaps |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 49,065 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 49,065 |
Call Options |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Put Options |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Futures |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 49,065 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 49,065 |
Financial assets at amortized cost (*) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Rights by resale agreements |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 54,329 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 15,189 |  |  |  | 2,304 |  |  |  | 71,822 |
Debt financial instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
From the Chilean Government and Central Bank |  |  | 507,261 |  |  |  | 923,880 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,431,141 |
Subtotal |  |  | 507,261 |  |  |  | 923,880 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,431,141 |
Loans and advances to Banks |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Central Bank of Chile |  |  | 2,100,933 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,100,933 |
Domestic banks |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Foreign banks |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 418,998 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 418,998 |
Subtotal |  |  | 2,100,933 |  |  |  | — |  |  |  | — |  |  |  | 418,998 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,519,931 |
(*) | Economic activity of Loans and accounts receivable from customers disclosed in Note No. 11 e).
The following tables show credit risk exposure per balance sheet item, including derivatives, detailed by both geographic region and industry sector as of December 31, 2022:
|  | Chile |  |  | United States |  |  | England |  |  | Brazil |  |  | Others |  |  | Total |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Financial Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash and Due from Banks |  |  | 1,448,441 |  |  |  | 1,227,305 |  |  |  | 24,982 |  |  |  | 8 |  |  |  | 64,148 |  |  |  | 2,764,884 |
Financial assets held for trading at fair value through profit or loss |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Derivative contracts Financial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Forwards (*) |  |  | 316,204 |  |  |  | 38,355 |  |  |  | 91,832 |  |  |  | — |  |  |  | 119,659 |  |  |  | 566,050 |
Swaps (**) |  |  | 1,037,521 |  |  |  | 32,161 |  |  |  | 1,095,040 |  |  |  | — |  |  |  | 224,855 |  |  |  | 2,389,577 |
Call Options |  |  | 2,321 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,321 |
Put Options |  |  | 2,758 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,758 |
Futures |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | 1,358,804 |  |  |  | 70,516 |  |  |  | 1,186,872 |  |  |  | — |  |  |  | 344,514 |  |  |  | 2,960,706 |
Debt Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
From the Chilean Government and Central Bank |  |  | 3,059,292 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,059,292 |
Other debt financial instruments issued in Chile |  |  | 374,453 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 374,453 |
Financial debt instruments issued Abroad |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | 3,433,745 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,433,745 |
Others Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investments in mutual funds |  |  | 250,337 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 250,337 |
Equity instruments |  |  | 2,357 |  |  |  | 3,261 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,618 |
Others |  |  | 763 |  |  |  | 522 |  |  |  | — |  |  |  | — |  |  |  | 85 |  |  |  | 1,370 |
Subtotal |  |  | 253,457 |  |  |  | 3,783 |  |  |  | — |  |  |  | — |  |  |  | 85 |  |  |  | 257,325 |
Financial Assets at fair value through other comprehensive income |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Debt Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
From the Chilean Government and Central Bank |  |  | 2,258,857 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,258,857 |
Other debt financial instruments issued in Chile |  |  | 1,540,908 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,540,908 |
Financial debt instruments issued Abroad |  |  | — |  |  |  | 167,627 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 167,627 |
Subtotal |  |  | 3,799,765 |  |  |  | 167,627 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,967,392 |
Equity Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity instruments issued in Chile |  |  | 5,700 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,700 |
Equity instruments issued by foreign institutions |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 845 |  |  |  | 845 |
Subtotal |  |  | 5,700 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 845 |  |  |  | 6,545 |
Derivative contracts financial for hedging purposes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Forwards |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Swaps |  |  | 118 |  |  |  | 18,368 |  |  |  | 8,142 |  |  |  | — |  |  |  | 449 |  |  |  | 27,077 |
Call Options |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Put Options |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Futures |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | 118 |  |  |  | 18,368 |  |  |  | 8,142 |  |  |  | — |  |  |  | 449 |  |  |  | 27,077 |
Financial assets at amortized cost |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Rights by resale agreements and securities lending |  |  | 54,061 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 54,061 |
Debt Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
From the Chilean Government and Central Bank |  |  | 902,355 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 902,355 |
Subtotal |  |  | 902,355 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 902,355 |
Loans and advances to Banks |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Central Bank of Chile |  |  | 1,801,100 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,801,100 |
Domestic banks |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Foreign Banks (***) |  |  | — |  |  |  | — |  |  |  | 18,679 |  |  |  | 182,320 |  |  |  | 172,693 |  |  |  | 373,692 |
Subtotal |  |  | 1,801,100 |  |  |  | — |  |  |  | 18,679 |  |  |  | 182,320 |  |  |  | 172,693 |  |  |  | 2,174,792 |
Loans to Customers, Net |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  | 20,279,201 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 29,544 |  |  |  | 20,308,745 |
Residential mortgage loans |  |  | 11,422,322 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 11,422,322 |
Consumer loans |  |  | 4,995,230 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,995,230 |
Subtotal |  |  | 36,696,753 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 29,544 |  |  |  | 36,726,297 |
(*) | Others includes: France Ch$92,885 million and Spain Ch$18,923 million.
(**) | Others includes: France Ch$62,731 million and Spain Ch$45,189 million.
(***) | Others includes: China Ch$65,362 million.
|  | Central Bank of Chile |  |  | Government |  |  | Retail (Individuals) |  |  | Financial Services |  |  | Trade |  |  | Manufacturing |  |  | Mining |  |  | Electricity, Gas and Water |  |  | Agriculture and Livestock |  |  | Fishing |  |  | Transportation and Telecom |  |  | Construction |  |  | Services |  |  | Others |  |  | Total |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Cash and Due from Banks |  |  | 384,230 |  |  |  | — |  |  |  | — |  |  |  | 2,380,654 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,764,884 |
Financial Assets held for trading at fair value through profit or loss |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Derivative contracts Financial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Forwards |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 372,637 |  |  |  | 28,966 |  |  |  | 12,435 |  |  |  | 124 |  |  |  | 2,153 |  |  |  | 8,456 |  |  |  | 18 |  |  |  | 144 |  |  |  | 1,602 |  |  |  | 139,515 |  |  |  | — |  |  |  | 566,050 |
Swaps |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,311,655 |  |  |  | 9,770 |  |  |  | 9,123 |  |  |  | — |  |  |  | 10,148 |  |  |  | 4,236 |  |  |  | 3,848 |  |  |  | 16,166 |  |  |  | 14,493 |  |  |  | 10,138 |  |  |  | — |  |  |  | 2,389,577 |
Call Options |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 123 |  |  |  | 601 |  |  |  | 61 |  |  |  | — |  |  |  | — |  |  |  | 90 |  |  |  | 6 |  |  |  | 1 |  |  |  | 1,437 |  |  |  | 2 |  |  |  | — |  |  |  | 2,321 |
Put Options |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 752 |  |  |  | 1,412 |  |  |  | 481 |  |  |  | — |  |  |  | — |  |  |  | 5 |  |  |  | — |  |  |  | 21 |  |  |  | — |  |  |  | 87 |  |  |  | — |  |  |  | 2,758 |
Futures |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,685,167 |  |  |  | 40,749 |  |  |  | 22,100 |  |  |  | 124 |  |  |  | 12,301 |  |  |  | 12,787 |  |  |  | 3,872 |  |  |  | 16,332 |  |  |  | 17,532 |  |  |  | 149,742 |  |  |  | — |  |  |  | 2,960,706 |
Debt Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
From the Chilean Government and Central Bank |  |  | 3,019,487 |  |  |  | 39,805 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,059,292 |
Other debt financial instruments issued in Chile |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 374,453 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 374,453 |
Financial debt instruments issued Abroad |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | 3,019,487 |  |  |  | 39,805 |  |  |  | — |  |  |  | 374,453 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,433,745 |
Others Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investments in mutual funds |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 250,337 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 250,337 |
Equity instruments |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,618 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,618 |
Others |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,370 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,370 |
Subtotal |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 257,325 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 257,325 |
Financial Assets at fair value through Other Comprehensive Income |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Debt Financial Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
From the Chilean Government and Central Bank |  |  | — |  |  |  | 2,258,857 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,258,857 |
Other debt financial instruments issued in Chile |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,513,240 |  |  |  | 13,591 |  |  |  | — |  |  |  | — |  |  |  | 4,934 |  |  |  | — |  |  |  | — |  |  |  | 4,639 |  |  |  | 4,504 |  |  |  | — |  |  |  | — |  |  |  | 1,540,908 |
Financial debt instruments issued Abroad |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 167,627 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 167,627 |
Subtotal |  |  | — |  |  |  | 2,258,857 |  |  |  | — |  |  |  | 1,680,867 |  |  |  | 13,591 |  |  |  | — |  |  |  | — |  |  |  | 4,934 |  |  |  | — |  |  |  | — |  |  |  | 4,639 |  |  |  | 4,504 |  |  |  | — |  |  |  | — |  |  |  | 3,967,392 |
Equity Instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity instruments issued in Chile |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,700 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,700 |
Equity instruments issued by foreign institutions |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 845 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 845 |
Subtotal |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,545 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,545 |
Derivative contracts financial for hedging purposes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Forwards |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Swaps |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 27,077 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 27,077 |
Call Options |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Put Options |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Futures |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Subtotal |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 27,077 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 27,077 |
Financial assets at amortized cost (*) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Rights by resale agreements |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 43,116 |  |  |  | 469 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,950 |  |  |  | 2,526 |  |  |  | 54,061 |
Debt financial instruments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
From the Chilean Government and Central Bank |  |  | — |  |  |  | 902,355 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 902,355 |
Subtotal |  |  | — |  |  |  | 902,355 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 902,355 |
Loans and advances to Banks |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Central Bank of Chile |  |  | 1,801,100 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,801,100 |
Domestic banks |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Foreign banks |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 373,692 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 373,692 |
Subtotal |  |  | 1,801,100 |  |  |  | — |  |  |  | — |  |  |  | 373,692 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,174,792 |
Schedule of Guarantees Values | The following table contains guarantees values as of December 31, 2023 and 2022:
|  |  |  |  | Fair value of collateral and credit enhancements held as of December 31, 2023 |  |  |  |
|  | 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 |  |  | 15,159,292 |  |  |  | 4,157,394 |  |  |  | 204,423 |  |  |  | 610,957 |  |  |  | 3,503 |  |  |  | 4,976,277 |  |  |  | 10,183,015 |
Small business lending |  |  | 4,870,752 |  |  |  | 3,330,145 |  |  |  | 16,097 |  |  |  | 10,464 |  |  |  | — |  |  |  | 3,356,706 |  |  |  | 1,514,046 |
Consumer lending |  |  | 5,310,462 |  |  |  | 363,923 |  |  |  | 607 |  |  |  | 2,633 |  |  |  | — |  |  |  | 367,163 |  |  |  | 4,943,299 |
Mortgage lending |  |  | 12,310,768 |  |  |  | 10,510,587 |  |  |  | 125 |  |  |  | 301 |  |  |  | — |  |  |  | 10,511,013 |  |  |  | 1,799,755 |
Total |  |  | 37,651,274 |  |  |  | 18,362,049 |  |  |  | 221,252 |  |  |  | 624,355 |  |  |  | 3,503 |  |  |  | 19,211,159 |  |  |  | 18,440,115 |
|  |  |  |  | Fair value of collateral and credit enhancements held as of December 31, 2022 |  |  |  |
|  | 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 |  |  | 15,474,528 |  |  |  | 3,993,984 |  |  |  | 193,235 |  |  |  | 590,126 |  |  |  | 4,386 |  |  |  | 4,781,731 |  |  |  | 10,692,797 |
Small business lending |  |  | 4,834,217 |  |  |  | 3,352,055 |  |  |  | 20,294 |  |  |  | 11,700 |  |  |  | — |  |  |  | 3,384,049 |  |  |  | 1,450,168 |
Consumer lending |  |  | 4,995,230 |  |  |  | 364,469 |  |  |  | 912 |  |  |  | 3,364 |  |  |  | — |  |  |  | 368,745 |  |  |  | 4,626,485 |
Mortgage lending |  |  | 11,422,322 |  |  |  | 9,928,827 |  |  |  | 133 |  |  |  | 607 |  |  |  | — |  |  |  | 9,929,567 |  |  |  | 1,492,755 |
Total |  |  | 36,726,297 |  |  |  | 17,639,335 |  |  |  | 214,574 |  |  |  | 605,797 |  |  |  | 4,386 |  |  |  | 18,464,092 |  |  |  | 18,262,205 |
Schedule of Aging Analysis of Loans | Below is the detail of the default but not impaired portfolio:
|  |  |  |  | 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$ |
2023 |  |  | 35,450,737 |  |  |  | 729,515 |  |  |  | 201,414 |  |  |  | 65,073 |  |  |  | 344 |  |  |  | 36,447,083 |
2022 |  |  | 34,933,720 |  |  |  | 622,515 |  |  |  | 157,852 |  |  |  | 46,764 |  |  |  | 36 |  |  |  | 35,760,887 |
(*) | These amounts include the overdue portion and the remaining balance of loans in default.
Schedule of Book Value of Loans with Renegotiated Terms | The following table details the book value of loans with renegotiated terms per financial asset class:
|  | 2023 |  |  | 2022 |
Financial assets |  | MCh$ |  |  | MCh$ |
Loans and advances to banks |  |  |  |  |  |
Domestic banks |  |  | — |  |  |  | — |
Foreign banks |  |  | — |  |  |  | — |
Subtotal |  |  | — |  |  |  | — |
Loans to Customers at amortized cost |  |  |  |  |  |  |  |
Commercial loans |  |  | 445,462 |  |  |  | 381,171 |
Residential mortgage loans |  |  | 266,920 |  |  |  | 251,380 |
Consumer loans |  |  | 306,632 |  |  |  | 258,434 |
Subtotal |  |  | 1,019,014 |  |  |  | 890,985 |
Total renegotiated financial assets |  |  | 1,019,014 |  |  |  | 890,985 |
Schedule of Amortized Costs and Net Loss of Modified Financial Assets | The table below includes Stage 2 and 3 assets that were modified and, therefore, treated as forborne during the 2023 period, with the related modification loss suffered by the Bank.
|  | 2023 MCh$ |
Amortized costs of financial assets modified during the period |  |  | 515,015 |
Net modification loss |  |  | 125,144 |
Schedule of Gross Carrying Amount Previously Modified Financial Assets | The table below shows the gross carrying amount of previously modified financial assets for which loss allowances has changed to 12 month Expected Credit Losses (12mECL) measurement during the 2023 period:
|  | December 31, 2023 |
|  | Post modification |  |  | Pre-modification |
|  | Gross carrying amount MCh$ |  |  | Corresponding ECL MCh$ |  |  | Gross carrying amount MCh$ |  |  | Corresponding ECL MCh$ |
Facilities that have cured since modification and are now measured using 12mECLs (Stage 1) |  |  | 46,266 |  |  |  | 6,726 |  |  |  | 46,727 |  |  |  | 11,459 |
Facilities that reverted to (Stage 2/3) lifetime ECLs having once cured |  |  | 22,968 |  |  |  | 5,663 |  |  |  | 22,856 |  |  |  | 3,922 |
Schedule of credit limit granted to debtors | Below are detailed the figures for compliance with the credit limit granted to debtors related to the ownership or management of the Bank and subsidiaries, in accordance with the Article 84 No. 2 of the General Banking Law, which establishes that in no case the total of these credits may exceed the amount of its Total or Regulatory Capital:
|  | December 2023 |  |  | December 2022 |
|  | MCh$ |  |  | MCh$ |
Total related debt |  |  | 476,459 |  |  |  | 960,640 |
Consolidated Total or Regulatory Capital |  |  | 6,578,584 |  |  |  | 6,373,416 |
Limit used % |  |  | 7.24 | % |  |  | 15.07 | %
Schedule of use of MAR | The use of December within 2023 is illustrated below (LCCY = local currency; FCCY = foreign currency):
|  | MAR LCCY + FCCY BCh$ |  |  | MAR FCCY MUS$
|  | 1 — 30 days |  |  | 1 — 90 days |  |  |  |  | 1 — 90 days |
Maximum |  |  | 1,858 |  |  |  | 4,180 |  |  | Maximum |  |  | 994 |
Minimum |  |  | (1,359 | ) |  |  | 917 |  |  | Minimum |  |  | (131 | )
Average |  |  | 347 |  |  |  | 2,375 |  |  | Average |  |  | 387 |
Schedule of use of Cross Currency Funding | The use of Cross Currency Funding within year 2023 is illustrated below:
|  | Cross Currency Funding MUS$ |
Maximum |  |  | 2,359 |
Minimum |  |  | 477 |
Average |  |  | 1,251 |
Schedule of Financial Ratios | The evolution over time of the statement of financial ratios of the Bank is monitored in order to detect structural changes in the characteristics of the balance sheet, such as those presented in the following table and whose relevant values of use during the year 2023 are shown below:
|  | Liquid Assets/ Net Funding <30 days |  |  | Liabilities>1 year/ Assets >1 year |  |  | Deposits/ Loans |
Maximum |  |  | 228 | % |  |  | 228 | % |  |  | 66 | %
Minimum |  |  | 147 | % |  |  | 147 | % |  |  | 63 | %
Average |  |  | 188 | % |  |  | 188 | % |  |  | 64 | %
Schedules for Calculation of C46 Regulatory Information | The use of this index in year 2023 is illustrated below:
|  | Adjusted C46 CCY and FCCY as part of Basic Capital |  |  | Adjusted C46 FCCY as part of Basic Capital |
|  | 1 — 30 days |  |  | 1 — 90 days |  |  | 1 — 30 days |
Maximum |  |  | 0.20 |  |  |  | 0.11 |  |  |  | 0.20 |
Minimum |  |  | (0.36 | ) |  |  | (0.32 | ) |  |  | 0.05 |
Average |  |  | (0.11 | ) |  |  | (0.15 | ) |  |  | 0.14 |
Regulatory Limit |  |  | N/A |  |  |  | N/A |  |  |  | 1.0 |
Schedules of Consolidated Term Liquidity | The individual and consolidated term liquidity gap are presented below:
CONSOLIDATED CURRENCY |  | From 0 to 7 days |  |  | From 0 to 15 days |  |  | From 0 to 30 days |  |  | From 0 to 90 days |
Cash flow receivable (assets) and income |  |  | 7,451,342 |  |  |  | 10,025,598 |  |  |  | 11,358,013 |  |  |  | 14,885,569 |
Cash flow payable (liabilities) and expenses |  |  | 18,521,274 |  |  |  | 20,729,699 |  |  |  | 24,705,312 |  |  |  | 29,572,694 |
Liquidity Gap |  |  | 11,069,932 |  |  |  | 10,704,101 |  |  |  | 13,347,299 |  |  |  | 14,687,125 |
FOREIGN CURRENCY |  | From 0 to 7 days |  |  | From 0 to 15 days |  |  | From 0 to 30 days |  |  | From 0 to 90 days |
Cash flow receivable (assets) and income |  |  | 1,626,253 |  |  |  | 1,940,382 |  |  |  | 1,977,205 |  |  |  | 2,202,851 |
Cash flow payable (liabilities) and expenses |  |  | 2,847,205 |  |  |  | 3,088,720 |  |  |  | 3,605,349 |  |  |  | 4,188,405 |
Liquidity Gap |  |  | 1,220,952 |  |  |  | 1,148,338 |  |  |  | 1,628,144 |  |  |  | 1,985,554 |
Limits: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One time capital |  |  |  |  |  |  |  |  |  |  | 5,175,878 |  |  |  |  |
AVAILABLE MARGIN |  |  |  |  |  |  |  |  |  |  | 3,547,734 |  |  |  |  |
CONSOLIDATED CURRENCY |  | From 0 to 7 days |  |  | From 0 to 15 days |  |  | From 0 to 30 days |  |  | From 0 to 90 days |
Cash flow receivable (assets) and income |  |  | 7,212,899 |  |  |  | 9,484,396 |  |  |  | 10,274,614 |  |  |  | 12,835,250 |
Cash flow payable (liabilities) and expenses |  |  | 8,783,153 |  |  |  | 9,584,013 |  |  |  | 11,078,718 |  |  |  | 13,602,290 |
Liquidity Gap |  |  | 1,570,254 |  |  |  | 99,617 |  |  |  | 804,104 |  |  |  | 767,040 |
FOREIGN CURRENCY |  | From 0 to 7 days |  |  | From 0 to 15 days |  |  | From 0 to 30 days |  |  | From 0 to 90 days |
Cash flow receivable (assets) and income |  |  | 1,580,416 |  |  |  | 1,831,846 |  |  |  | 1,697,506 |  |  |  | 1,615,215 |
Cash flow payable (liabilities) and expenses |  |  | 1,890,932 |  |  |  | 2,044,398 |  |  |  | 2,418,213 |  |  |  | 2,883,055 |
Liquidity Gap |  |  | 310,516 |  |  |  | 212,552 |  |  |  | 720,707 |  |  |  | 1,267,840 |
Limits: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One time capital |  |  |  |  |  |  |  |  |  |  | 5,175,878 |  |  |  |  |
AVAILABLE MARGIN |  |  |  |  |  |  |  |  |  |  | 4,455,171 |  |  |  |  |
CONSOLIDATED CURRENCY |  | From 0 to 7 days |  |  | From 0 to 15 days |  |  | From 0 to 30 days |  |  | From 0 to 90 days |
Cash flow receivable (assets) and income |  |  | 8,219,299 |  |  |  | 10,802,541 |  |  |  | 12,160,473 |  |  |  | 15,703,453 |
Cash flow payable (liabilities) and expenses |  |  | 19,142,529 |  |  |  | 21,350,955 |  |  |  | 25,326,568 |  |  |  | 30,194,109 |
Liquidity Gap |  |  | 10,923,230 |  |  |  | 10,548,414 |  |  |  | 13,166,095 |  |  |  | 14,490,656 |
FOREIGN CURRENCY |  | From 0 to 7 days |  |  | From 0 to 15 days |  |  | From 0 to 30 days |  |  | From 0 to 90 days |
Cash flow receivable (assets) and income |  |  | 1,626,308 |  |  |  | 1,940,437 |  |  |  | 1,977,260 |  |  |  | 2,202,906 |
Cash flow payable (liabilities) and expenses |  |  | 2,847,205 |  |  |  | 3,088,720 |  |  |  | 3,605,349 |  |  |  | 4,188,460 |
Liquidity Gap |  |  | 1,220,897 |  |  |  | 1,148,283 |  |  |  | 1,628,089 |  |  |  | 1,985,554 |
Limits: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One time capital |  |  |  |  |  |  |  |  |  |  | 5,175,878 |  |  |  |  |
AVAILABLE MARGIN |  |  |  |  |  |  |  |  |  |  | 3,547,789 |  |  |  |  |
CONSOLIDATED CURRENCY |  | From 0 to 7 days |  |  | From 0 to 15 days |  |  | From 0 to 30 days |  |  | From 0 to 90 days |
Cash flow receivable (assets) and income |  |  | 7,980,856 |  |  |  | 10,261,339 |  |  |  | 11,077,074 |  |  |  | 13,653,134 |
Cash flow payable (liabilities) and expenses |  |  | 9,404,409 |  |  |  | 10,205,269 |  |  |  | 11,699,974 |  |  |  | 14,223,706 |
Liquidity Gap |  |  | 1,423,553 |  |  |  | (56,070 | ) |  |  | 622,900 |  |  |  | 570,572 |
FOREIGN CURRENCY |  | From 0 to 7 days |  |  | From 0 to 15 days |  |  | From 0 to 30 days |  |  | From 0 to 90 days |
Cash flow receivable (assets) and income |  |  | 1,580,471 |  |  |  | 1,831,901 |  |  |  | 1,697,561 |  |  |  | 1,615,270 |
Cash flow payable (liabilities) and expenses |  |  | 1,890,932 |  |  |  | 2,044,398 |  |  |  | 2,418,213 |  |  |  | 2,883,110 |
Liquidity Gap |  |  | 310,461 |  |  |  | 212,497 |  |  |  | 720,652 |  |  |  | 1,267,840 |
Limits: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One time capital |  |  |  |  |  |  |  |  |  |  | 5,175,878 |  |  |  |  |
AVAILABLE MARGIN |  |  |  |  |  |  |  |  |  |  | 4,455,226 |  |  |  |  |
Schedule of Evolution of the LCR and NSFR | The evolution of the LCR and NSFR metrics during the year 2023 are shown below:
|  | LCR |  |  | NSFR |
Maximum |  |  | 3.43 |  |  |  | 1.37 |
Minimum |  |  | 2.42 |  |  |  | 1.27 |
Average |  |  | 3.01 |  |  |  | 1.33 |
Regulatory Limit |  |  | 1.0 |  |  |  | 0.7 | (*)
(*) | By transitory disposition of the Central Bank of Chile, in Chapter III.B.2.1 of the Compendium of Accounting Standards for Banks, this limit will gradually increase until reaching 1.0 in January 2026.
Schedule of Contractual Maturity Profile of the Financial Liabilities | The contractual maturity profile of the financial liabilities of Banco de Chile and its subsidiaries (consolidated basis), to December 2023 and 2022, is as follows:
|  | 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, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Transactions in the course of payment |  |  | 356,871 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 356,871 |
Full delivery derivative transactions |  |  | 449,301 |  |  |  | 883,862 |  |  |  | 946,696 |  |  |  | 1,138,243 |  |  |  | 738,806 |  |  |  | 1,481,105 |  |  |  | 5,638,013 |
Financial liabilities at amortized cost |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current accounts and other demand deposits |  |  | 13,321,660 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13,321,660 |
Saving accounts and time deposits |  |  | 10,432,630 |  |  |  | 3,515,344 |  |  |  | 1,517,789 |  |  |  | 66,062 |  |  |  | 595 |  |  |  | 542 |  |  |  | 15,532,962 |
Obligations by repurchase agreements and securities lending |  |  | 156,846 |  |  |  | 158 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 157,004 |
Borrowings from financial institutions |  |  | 44,475 |  |  |  | 65,210 |  |  |  | 5,079,495 |  |  |  | 157,383 |  |  |  | — |  |  |  | — |  |  |  | 5,346,563 |
Debt financial instruments issued (all currencies) |  |  | 55,897 |  |  |  | 196,986 |  |  |  | 1,097,658 |  |  |  | 2,537,939 |  |  |  | 2,351,864 |  |  |  | 4,422,665 |  |  |  | 10,663,009 |
Other financial obligations |  |  | 338,891 |  |  |  | — |  |  |  | 24 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 338,915 |
Financial instruments of regulatory capital issued (subordinated bonds) |  |  | 3,006 |  |  |  | — |  |  |  | 46,575 |  |  |  | 95,774 |  |  |  | 85,615 |  |  |  | 1,146,822 |  |  |  | 1,377,792 |
Total (excluding non-delivery derivative transactions) |  |  | 25,159,577 |  |  |  | 4,661,560 |  |  |  | 8,688,237 |  |  |  | 3,995,401 |  |  |  | 3,176,880 |  |  |  | 7,051,134 |  |  |  | 52,732,789 |
Non-delivery derivative transactions |  |  | 339,148 |  |  |  | 339,427 |  |  |  | 1,033,954 |  |  |  | 1,245,586 |  |  |  | 964,056 |  |  |  | 1,879,807 |  |  |  | 5,801,978 |
|  | 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, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Transactions in the course of payment |  |  | 681,792 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 681,792 |
Full delivery derivative transactions |  |  | 743,686 |  |  |  | 780,406 |  |  |  | 1,375,700 |  |  |  | 1,581,587 |  |  |  | 756,582 |  |  |  | 1,743,275 |  |  |  | 6,981,236 |
Financial liabilities at amortized cost |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current accounts and other demand deposits |  |  | 13,383,232 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13,383,232 |
Saving accounts and time deposits |  |  | 9,774,591 |  |  |  | 3,013,166 |  |  |  | 1,362,905 |  |  |  | 121,808 |  |  |  | 5,940 |  |  |  | 655 |  |  |  | 14,279,065 |
Obligations by repurchase agreements and securities lending |  |  | 219,043 |  |  |  | 52 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 219,095 |
Borrowings from financial institutions |  |  | 158,173 |  |  |  | 83,612 |  |  |  | 795,721 |  |  |  | 4,348,400 |  |  |  | — |  |  |  | — |  |  |  | 5,385,906 |
Debt financial instruments issued (all currencies) |  |  | 13,442 |  |  |  | 170,745 |  |  |  | 1,349,567 |  |  |  | 2,286,711 |  |  |  | 2,555,020 |  |  |  | 4,119,530 |  |  |  | 10,495,015 |
Other financial obligations |  |  | 343,526 |  |  |  | 21 |  |  |  | 110 |  |  |  | 45 |  |  |  | — |  |  |  | — |  |  |  | 343,702 |
Financial instruments of regulatory capital issued (subordinated bonds) |  |  | 2,869 |  |  |  | — |  |  |  | 48,017 |  |  |  | 94,649 |  |  |  | 84,952 |  |  |  | 1,135,504 |  |  |  | 1,365,991 |
Total (excluding non-delivery derivative transactions) |  |  | 25,320,354 |  |  |  | 4,048,002 |  |  |  | 4,932,020 |  |  |  | 8,433,200 |  |  |  | 3,402,494 |  |  |  | 6,998,964 |  |  |  | 53,135,034 |
Non-delivery derivative transactions |  |  | 686,308 |  |  |  | 751,720 |  |  |  | 1,595,212 |  |  |  | 1,283,629 |  |  |  | 683,109 |  |  |  | 2,161,307 |  |  |  | 7,161,285 |
Schedule of Use of Var | The use of VaR within year 2023 is illustrated below:
|  | Value-at-Risk 99% one-day confidence level MCh$ |
Maximum |  |  | 3,909 |
Minimum |  |  | 796 |
Average |  |  | 2,172 |
Schedule of Use of Ear | The use of EaR within year 2023 is illustrated below:
|  | 12- months Earnings-at-Risk 99% confidence level 3 months defeasance period MCh$ |
Maximum |  |  | 286,176 |
Minimum |  |  | 178,417 |
Average |  |  | 248,157 |
Schedule of Interest Rate Cash-Flows of the Banking Book | The following table illustrates the interest rate cash-flows of the Banking Book, considering the interest rate repricing dates on an individual basis, as of December 31, 2023 and 2022:
|  | 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$ |
Assets as of December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash and due from banks |  |  | 2,441,580 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,441,580 |
Transactions in the course of collection |  |  | 403,734 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 403,734 |
Financial assets at fair value through other comprehensive income: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Debt financial instruments |  |  | 282,697 |  |  |  | 748,488 |  |  |  | 1,864,717 |  |  |  | 461,590 |  |  |  | 270,129 |  |  |  | 157,313 |  |  |  | 3,784,934 |
Derivative financial instruments for hedging purposes |  |  | 773 |  |  |  | 5,738 |  |  |  | 208,234 |  |  |  | 328,274 |  |  |  | 531,229 |  |  |  | 929,754 |  |  |  | 2,004,002 |
Financial assets at amortized cost: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Rights by resale agreements and securities lending |  |  | 74,796 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 74,796 |
Debt financial instruments |  |  |  |  |  |  | 9,012 |  |  |  | 530,044 |  |  |  | 503,956 |  |  |  | 159,932 |  |  |  | 312,570 |  |  |  | 1,515,514 |
Loans and advances to Banks |  |  | 2,216,985 |  |  |  | 74,312 |  |  |  | 233,533 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,524,830 |
Loans to customers, net |  |  | 5,464,339 |  |  |  | 2,859,489 |  |  |  | 8,212,594 |  |  |  | 9,064,150 |  |  |  | 5,082,957 |  |  |  | 14,106,472 |  |  |  | 44,790,001 |
Total Assets |  |  | 10,884,904 |  |  |  | 3,697,039 |  |  |  | 11,049,122 |  |  |  | 10,357,970 |  |  |  | 6,044,247 |  |  |  | 15,506,109 |  |  |  | 57,539,391 |
|  | 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$ |
Assets as of December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash and due from banks |  |  | 2,624,888 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,624,888 |
Transactions in the course of collection |  |  | 743,379 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 743,379 |
Financial assets at fair value through other comprehensive income: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Debt financial instruments |  |  | 82,025 |  |  |  | 324,492 |  |  |  | 2,487,874 |  |  |  | 614,944 |  |  |  | 220,962 |  |  |  | 248,832 |  |  |  | 3,979,129 |
Derivative financial instruments for hedging purposes |  |  | 378 |  |  |  | 4,040 |  |  |  | 296,187 |  |  |  | 347,208 |  |  |  | 352,502 |  |  |  | 1,033,196 |  |  |  | 2,033,511 |
Financial assets at amortized cost: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Rights by resale agreements and securities lending |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Debt financial instruments |  |  | — |  |  |  | 8,816 |  |  |  | 11,222 |  |  |  | 56,159 |  |  |  | 459,884 |  |  |  | 452,991 |  |  |  | 989,072 |
Loans and advances to Banks |  |  | 1,904,368 |  |  |  | 63,569 |  |  |  | 209,047 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,176,984 |
Loans to customers, net |  |  | 5,061,294 |  |  |  | 3,188,902 |  |  |  | 7,913,635 |  |  |  | 9,165,338 |  |  |  | 4,722,852 |  |  |  | 13,044,702 |  |  |  | 43,096,723 |
Total Assets |  |  | 10,416,332 |  |  |  | 3,589,819 |  |  |  | 10,917,965 |  |  |  | 10,183,649 |  |  |  | 5,756,200 |  |  |  | 14,779,721 |  |  |  | 55,643,686 |
|  | 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, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Transactions in the course of payment |  |  | 317,056 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 317,056 |
Derivative Financial Instruments for hedging purposes |  |  | 1,508 |  |  |  | 1,777 |  |  |  | 179,604 |  |  |  | 319,178 |  |  |  | 498,973 |  |  |  | 1,245,545 |  |  |  | 2,246,585 |
Financial liabilities at amortized cost |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current accounts and other demand deposits |  |  | 13,352,234 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13,352,234 |
Saving accounts and time deposits |  |  | 10,432,630 |  |  |  | 3,515,344 |  |  |  | 1,517,789 |  |  |  | 66,062 |  |  |  | 595 |  |  |  | 542 |  |  |  | 15,532,962 |
Obligations by repurchase agreements and securities lending |  |  | 10,450 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 10,450 |
Borrowings from financial institutions |  |  | 44,475 |  |  |  | 65,210 |  |  |  | 5,079,495 |  |  |  | 157,383 |  |  |  | — |  |  |  | — |  |  |  | 5,346,563 |
Debt financial instruments issued (*) |  |  | 55,897 |  |  |  | 196,986 |  |  |  | 1,097,658 |  |  |  | 2,537,939 |  |  |  | 2,351,864 |  |  |  | 4,422,665 |  |  |  | 10,663,009 |
Financial instruments of regulatory capital issued (subordinated bonds) |  |  | 3,006 |  |  |  | — |  |  |  | 46,575 |  |  |  | 95,774 |  |  |  | 85,615 |  |  |  | 1,146,822 |  |  |  | 1,377,792 |
Other liabilities |  |  | 338,891 |  |  |  | — |  |  |  | 24 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 338,915 |
Total liabilities |  |  | 24,556,147 |  |  |  | 3,779,317 |  |  |  | 7,921,145 |  |  |  | 3,176,336 |  |  |  | 2,937,047 |  |  |  | 6,815,574 |  |  |  | 49,185,566 |
|  | 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, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Transactions in the course of payment |  |  | 650,640 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 650,640 |
Derivative Financial Instruments for hedging purposes |  |  | 1,440 |  |  |  | 1,006 |  |  |  | 272,568 |  |  |  | 341,455 |  |  |  | 332,705 |  |  |  | 1,503,902 |  |  |  | 2,453,076 |
Financial liabilities at amortized cost |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current accounts and other demand deposits |  |  | 13,454,288 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13,454,288 |
Saving accounts and time deposits |  |  | 9,774,591 |  |  |  | 3,013,166 |  |  |  | 1,362,905 |  |  |  | 121,808 |  |  |  | 5,940 |  |  |  | 655 |  |  |  | 14,279,065 |
Obligations by repurchase agreements and securities lending |  |  | 7,344 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,344 |
Borrowings from financial institutions |  |  | 158,173 |  |  |  | 83,612 |  |  |  | 795,721 |  |  |  | 4,348,400 |  |  |  | — |  |  |  | — |  |  |  | 5,385,906 |
Debt financial instruments issued (*) |  |  | 13,442 |  |  |  | 170,745 |  |  |  | 1,349,567 |  |  |  | 2,286,711 |  |  |  | 2,555,020 |  |  |  | 4,119,530 |  |  |  | 10,495,015 |
Financial instruments of regulatory capital issued (subordinated bonds) |  |  | 2,869 |  |  |  | — |  |  |  | 48,017 |  |  |  | 94,649 |  |  |  | 84,952 |  |  |  | 1,135,504 |  |  |  | 1,365,991 |
Other liabilities |  |  | 343,526 |  |  |  | 21 |  |  |  | 110 |  |  |  | 45 |  |  |  | — |  |  |  | — |  |  |  | 343,702 |
Total liabilities |  |  | 24,406,313 |  |  |  | 3,268,550 |  |  |  | 3,828,888 |  |  |  | 7,193,068 |  |  |  | 2,978,617 |  |  |  | 6,759,591 |  |  |  | 48,435,027 |
Schedule of Adverse Scenario Market Factors Fluctuations | The directions or signs of these fluctuations are those that correspond to those that generate the most adverse impact at the aggregate level.
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 SOFR Derivatives (bps) |  |  |  | Spread USD On/Off Derivatives (bps) |
Less than 1 year |  |  | 31 |  |  |  | 186 |  |  |  | 101 |  |  |  | 553 |  |  |  | (7 | ) |  |  | 17 |
Greater than 1 year |  |  | 8 |  |  |  | 101 |  |  |  | 107 |  |  |  | 199 |  |  |  | (18 | ) |  |  | 8 |
Average Fluctuations of Market Factors for Maximum Stress Scenario FVOCI Portfolio
|  | CLP Bonds (bps) |  |  | CLF Bonds (bps) |  |  | USD Offshore Libor Derivatives (bps) |  |  | Spread USD On/Off Derivatives (bps) |
Less than 1 year |  |  | 245 |  |  |  | 685 |  |  |  | 12 |  |  |  | 45 |
Greater than 1 year |  |  | 132 |  |  |  | 238 |  |  |  | 38 |  |  |  | 21 |
Schedule of Potential Profit and Loss Impact on Trading Book | The worst impact on the Bank’s Trading Book as of December 31, 2023, as a result of the simulation process described above, is as follows:
Most Adverse Stress Scenario P&L Impact Trading Book (MCh$)
CLP Interest Rate |  |  |  |  |  |  | (11,113 | )
Derivatives |  |  | (1,467 | ) |  |  |  |
Debt instruments |  |  | (9,645 | ) |  |  |  |
CLF Interest Rate |  |  |  |  |  |  | (12,073 | )
Derivatives |  |  | (1,619 | ) |  |  |  |
Debt instruments |  |  | (10,454 | ) |  |  |  |
Interest rate USD offshore |  |  |  |  |  |  | (34 | )
Domestic/offshore interest rate spread USD |  |  |  |  |  |  | 92 |
Total Interest rates |  |  |  |  |  |  | (23,128 | )
Banking spread |  |  |  |  |  |  | (629 | )
Total FX and FX Options |  |  |  |  |  |  | (168 | )
Total |  |  |  |  |  |  | (23,925 | )
Schedule of NRFF Impact on Accrual | The impact on the Accrual Book as of December 31, 2023, which does not necessarily mean a net loss(gain) but a greater(lower) net income from funds generation (resulting net interest rate generation), is illustrated below:
Most Adverse Stress Scenario 12-Month Revenue Accrual Book (MCh$)
Impact by Base Interest Rate shocks |  |  | (167,484 | )
Impact due to Spreads Shocks |  |  | (4,700 | )
Higher / (Lower) Net revenues |  |  | (172,184 | )
Schedule of Potential Profit and Loss Impact on FVOCI portfolio | The worst impact on the Bank’s FVOCI portfolio as of December 31, 2023, as a result of the simulation process described above, is as follows:
Most Adverse Stress Scenario P&L Impact
FVOCI portfolio
(MCh$)
CLP Debt Instrument |  |  | (39,477 | )
CLF Debt Instrument |  |  | (56,968 | )
Interest rate USD offshore |  |  | (5,217 | )
Domestic/offshore interest rate spread USD |  |  | — |
Banking spread |  |  | (6,076 | )
Corporative spread |  |  | (22,474 | )
Total |  |  | (130,212 | )
Schedule of Contracts Susceptible to Offset | Below are detail the contracts susceptible to offset:
|  | Fair Value |  |  | Negative Fair Value of contracts with right to offset |  |  | Positive Fair Value of contracts with right to offset |  |  | Financial Collateral |  |  | Net Fair Value |
|  | 2023 |  |  | 2022 |  |  | 2023 |  |  | 2022 |  |  | 2023 |  |  | 2022 |  |  | 2023 |  |  | 2022 |  |  | 2023 |  |  | 2022 |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Derivative financial assets |  |  | 2,084,605 |  |  |  | 2,987,783 |  |  |  | (929,115 | ) |  |  | (1,014,141 | ) |  |  | (816,457 | ) |  |  | (1,508,710 | ) |  |  | (160,133 | ) |  |  | (180,863 | ) |  |  | 178,900 |  |  |  | 284,069 |
Derivative financial liabilities |  |  | 2,356,718 |  |  |  | 3,324,485 |  |  |  | (929,115 | ) |  |  | (1,014,141 | ) |  |  | (816,457 | ) |  |  | (1,508,710 | ) |  |  | (294,409 | ) |  |  | (302,571 | ) |  |  | 316,737 |  |  |  | 499,063 |
Schedule of Net Loss, Gross Loss and Recoveries Due to Operational Risk Events | Below is the exposure to net loss, gross loss and recoveries due to operational risk events as of December 31, 2023 and 2022:
|  | December 2023 |  |  | December 2022 |
Category |  | Lost Gross MCh$ |  |  | Recoveries MCh$ |  |  | Lost Net MCh$ |  |  | Lost Gross MCh$ |  |  | Recoveries MCh$ |  |  | Lost Net MCh$ |
Internal fraud |  |  | 222 |  |  |  | (14 | ) |  |  | 208 |  |  |  | 77 |  |  |  | (7 | ) |  |  | 70 |
External fraud |  |  | 26,969 |  |  |  | (8,918 | ) |  |  | 18,051 |  |  |  | 16,197 |  |  |  | (5,806 | ) |  |  | 10,391 |
Work practices and safety in the business position |  |  | 3,034 |  |  |  | — |  |  |  | 3,034 |  |  |  | 1,391 |  |  |  | (3 | ) |  |  | 1,388 |
Customers, products and business practices |  |  | 1,169 |  |  |  | — |  |  |  | 1,169 |  |  |  | 1,082 |  |  |  | — |  |  |  | 1,082 |
Damage to physical assets |  |  | 1,208 |  |  |  | (161 | ) |  |  | 1,047 |  |  |  | 527 |  |  |  | (3 | ) |  |  | 524 |
Business interruption and system failures |  |  | 951 |  |  |  | — |  |  |  | 951 |  |  |  | 175 |  |  |  | — |  |  |  | 175 |
Execution, delivery and process management |  |  | 3,182 |  |  |  | (609 | ) |  |  | 2,573 |  |  |  | 4,691 |  |  |  | (425 | ) |  |  | 4,266 |
Total |  |  | 36,735 |  |  |  | (9,702 | ) |  |  | 27,033 |  |  |  | 24,140 |  |  |  | (6,244 | ) |  |  | 17,896 |

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