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Business Segment (Tables)

12 Months Ended

Dec. 31, 2023

Schedule of Income, and Assets and Liabilities by Segment

The following table presents the income, and assets and liabilities by segment for the year ended December 31, 2023 for each of the segments defined above:

	As of December 31, 2023
	Retail			Wholesale			Treasury			Subsidiaries			Subtotal			Reclassifications and adjustments to conform IFRS				Total
	MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			Note	MCh$
Net interest income and UF indexation		1,412,392			780,957			(292,471	)		(11,162	)		1,889,716			31,076				1,920,792
Net commissions income		326,857			80,056			(2,235	)		173,227			577,905			(43,873	)			534,032
Net financial income		10,771			54,902			336,515			66,521			468,709			844				469,553
Other income		56,597			25,995			—			3,400			85,992			(7,190	)			78,802
Income attributable to investments in other companies		9,624			3,366			342			1,100			14,432			(1,023	)			13,409
Operating income, before expected credit losses		1,816,241			945,276			42,151			233,086			3,036,754			(20,166	)	(1)		3,016,588
Expenses for expected credit losses		(373,448	)		9,443			2,754			—			(361,251	)		159,307		(2)		(201,944	)
Total operating income, after expected credit losses		1,442,793			954,719			44,905			233,086			2,675,503			139,141				2,814,644
Expenses from salaries and employee benefits		(375,654	)		(115,731	)		(2,558	)		(88,761	)		(582,704	)		20				(582,684	)
Administrative expenses		(330,287	)		(76,104	)		(1,904	)		(39,037	)		(447,332	)		38,488				(408,844	)
Depreciation and amortization		(76,899	)		(8,476	)		(309	)		(6,624	)		(92,308	)		—				(92,308	)
Impairment of non-financial assets		(1,773	)		(5	)		—			16			(1,762	)		—				(1,762	)
Other operating expenses		(23,879	)		(8,390	)		(3	)		(1,603	)		(33,875	)		970				(32,905	)
Total operating expenses		(808,492	)		(208,706	)		(4,774	)		(136,009	)		(1,157,981	)		39,478		(3)		(1,118,503	)
Net operating income		634,301			746,013			40,131			97,077			1,517,522			178,619				1,696,141
Income taxes														(273,887	)		(48,227	)	(4)		(322,114	)
Net income after taxes														1,243,635			130,392				1,374,027

Assets		22,920,254			13,226,319			18,215,123			986,697			55,348,393			(91,952	)			55,256,441
Current and deferred taxes														681,012			(219,412	)			461,600
Total assets														56,029,405			(311,364	)	(5)		55,718,041

Liabilities		18,650,882			10,357,679			21,005,581			777,170			50,791,312			(1,156,024	)			49,635,288
Current and deferred taxes														808			—				808
Total liabilities														50,792,120			(1,156,024	)	(6)		49,636,096

	As of December 31, 2022
	Retail			Wholesale			Treasury			Subsidiaries			Subtotal			Reclassifications and adjustments to conform IFRS				Total
	MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			Note	MCh$
Net interest income and UF indexation		1,446,658			863,104			(60,758	)		(13,592	)		2,235,412			30,717				2,266,129
Net commissions income		301,587			73,259			(2,280	)		174,246			546,812			(24,680	)			522,132
Net financial income		8,248			57,389			172,949			64,933			303,519			3,305				306,824
Other income		22,506			11,816			—			3,530			37,852			(3,345	)			34,507
Income attributable to investments in other companies		9,471			3,180			279			650			13,580			(549	)			13,031
Operating income, before expected credit losses		1,788,470			1,008,748			110,190			229,767			3,137,175			5,448		(1)		3,142,623
Expenses for expected credit losses		(323,364	)		(103,745	)		(8,009	)		—			(435,118	)		22,988		(2)		(412,130	)
Total operating income, after expected credit losses		1,465,106			905,003			102,181			229,767			2,702,057			28,436				2,730,493
Expenses from salaries and employee benefits		(339,850	)		(102,395	)		(2,644	)		(83,356	)		(528,245	)		19				(528,226	)
Administrative expenses		(272,748	)		(66,547	)		(1,771	)		(34,474	)		(375,540	)		20,266				(355,274	)
Depreciation and amortization		(69,100	)		(8,540	)		(424	)		(6,141	)		(84,205	)		—				(84,205	)
Impairment of non-financial assets		(9	)		(122	)		—			54			(77	)		—				(77	)
Other operating expenses		(17,095	)		(10,202	)		—			(1,501	)		(28,798	)		1,097				(27,701	)
Total operating expenses		(698,802	)		(187,806	)		(4,839	)		(125,418	)		(1,016,865	)		21,382		(3)		(995,483	)
Net operating income		766,304			717,197			97,342			104,349			1,685,192			49,818				1,735,010
Income taxes														(275,757	)		(13,452	)	(4)		(289,209	)
Net income after taxes														1,409,435			36,366				1,445,801

Assets		21,676,597			13,576,675			18,587,455			925,064			54,765,791			(212,524	)			54,553,267
Current and deferred taxes														726,910			(171,323	)			555,587
Total assets														55,492,701			(383,847	)	(5)		55,108,854

Liabilities		17,586,680			10,151,503			22,167,730			727,529			50,633,442			(956,957	)			49,676,485
Current and deferred taxes														932			—				932
Total liabilities														50,634,374			(956,957	)	(6)		49,677,417

	As of December 31, 2021
	Retail			Wholesale			Treasury			Subsidiaries			Subtotal			Reclassifications and adjustments to conform IFRS				Total
	MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			Note	MCh$
Net interest income and UF indexation		1,083,179			472,520			(1,416	)		(847	)		1,553,436			20,586				1,574,022
Net commissions income		260,416			67,343			(2,288	)		159,628			485,099			(30,071	)			455,028
Net financial income		15,211			49,864			51,918			34,070			151,063			19,916				170,979
Other income		16,653			9,456			—			3,075			29,184			(6,135	)			23,049
Income attributable to investments in other companies		(452	)		2,075			118			499			2,240			(447	)			1,793
Operating income, before expected credit losses		1,375,007			601,258			48,332			196,425			2,221,022			3,849		(1)		2,224,871
Expenses for expected credit losses		(257,547	)		(98,516	)		(1,002	)		—			(357,065	)		337,893		(2)		(19,172	)
Total operating income, after expected credit losses		1,117,460			502,742			47,330			196,425			1,863,957			341,742				2,205,699
Expenses from salaries and employee benefits		(289,103	)		(82,706	)		(2,156	)		(77,004	)		(450,969	)		17				(450,952	)
Administrative expenses		(252,858	)		(58,940	)		(1,360	)		(30,559	)		(343,717	)		19,092				(324,625	)
Depreciation and amortization		(62,728	)		(8,107	)		(365	)		(5,598	)		(76,798	)		—				(76,798	)
Impairment of non-financial assets		(30	)		(1,169	)		—			(223	)		(1,422	)		(268	)			(1,690	)
Other operating expenses		(13,776	)		(5,073	)		(21	)		(1,709	)		(20,579	)		1,231				(19,348	)
Total operating expenses		(618,495	)		(155,995	)		(3,902	)		(115,093	)		(893,485	)		20,072		(3)		(873,413	)
Net operating income		498,965			346,747			43,428			81,332			970,472			361,814				1,332,286
Income taxes														(178,280	)		(97,689	)	(4)		(275,969	)
Net income after taxes														792,192			264,125				1,056,317

Assets		20,515,244			12,806,409			17,412,551			958,447			51,692,651			(543,103	)			51,149,548
Current and deferred taxes														435,123			(158,723	)			276,400
Total assets														52,127,774			(701,826	)	(5)		51,425,948

Liabilities		16,779,925			10,530,749			19,640,221			770,228			47,721,123			(1,226,430	)			46,494,693
Current and deferred taxes														113,129			(846	)			112,283
Total liabilities														47,834,252			(1,227,276	)	(6)		46,606,976