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Financial Assets at Amortized Cost (Tables)

12 Months Ended

Dec. 31, 2023

Financial Assets at Amortized Cost [Abstract]

Schedule of Financial Assets at Amortized Cost

The item detail is as follows:

		2023				2022
		MCh$				MCh$
Rights by resale agreements and securities lending			71,822				54,061
Debt financial instruments			1,431,083				902,355
Loans and advances to Banks			2,519,931				2,174,792
Loans to customers:
Commercial loans			20,030,044				20,308,745
Residential mortgage loans			12,310,768				11,422,322
Consumer loans			5,310,462				4,995,230
Provisions established for credit risk:
Loans and advances to Banks provisions			(1,341	)			(1,641	)
Commercial loans provisions			(259,641	)			(321,467	)
Mortgage loans provisions			(33,502	)			(50,646	)
Consumer loans provisions			(417,044	)			(449,496	)
Total			40,962,582				39,034,255

(a) Rights by resale agreements and securities lending:

Schedule of Resale Agreements and Securities Lending

The Bank provides financing to its customers through resale agreements and securities lending, in which the financial instrument serves as collateral. As of December 31, 2023 and 2022, the detail is as follows:

		2023				2022
		MCh$				MCh$
Transaction with domestic banks
Resale agreements with other banks			—				—
Resale agreements with the Central Bank of Chile			—				—
Rights from securities lending			—				—
Transaction with foreign banks
Resale agreements with other banks			—				—
Resale agreements with foreign Central Banks			—				—
Rights from securities lending			—				—
Transaction with other domestic entities
Resale agreements			71,822				54,061
Rights from securities lending			—				—
Transaction with other foreign entities
Resale agreements			—				—
Rights from securities lending			—				—
Accumulated Impairment Value of Financial Assets at Amortized Cost - Rights from resale agreements and securities lending
Financial assets with no significant increase in credit risk since initial recognition (phase 1)			—				—
Financial assets with a significant increase in credit risk since initial recognition, but without credit impairment (phase 2)			—				—
Financial assets with credit impairment (phase 3)			—				—
Total			71,822				54,061

Schedule of Debt Financial Instruments

At the end of each period, the balances presented under this item are as follows:

		2023				2022
		MCh$				MCh$
Instruments issued by the Chilean Government and Central Bank of Chile
Debt financial instruments from the Central Bank of Chile			507,261				—
Bonds and promissory notes from the General Treasury of the Republic			923,880				902,355
Other fiscal debt financial instruments			—				—
Other Finacial Instruments issued in Chile
Debt financial instruments from other domestic banks			—				—
Bonds and trade effects from domestic companies			—				—
Other debt financial instruments issued in the country			—				—
Financial Instruments issued Abroad
Debt financial instruments from foreign Central Banks			—				—
Debt financial instruments from foreign governments and fiscal entities			—				—
Debt financial instruments from other foreign banks			—				—
Bonds and trade effects from foreign companies			—				—
Other debt financial instruments issued abroad			—				—
Accumulated Impairment Value of Financial Assets at Amortized Cost Debt Financial Instruments
Financial assets with no significant increase in credit risk since initial recognition (phase 1)			(58	)			—
Financial assets with a significant increase in credit risk since initial recognition, but without credit impairment (phase 2)			—				—
Financial assets with credit impairment (phase 3)			—				—
Total			1,431,083				902,355

Schedule of Credit Ratings of the Issuers of Instruments Assets at Amortized Cost

The credit ratings of the issuers of instruments assets at amortized cost as of December 31, 2023 and 2022, are as follows:

		As of December 31, 2023																As of December 31, 2022
		Stage 1 Individual				Stage 2 Individual				Stage 3 Individual				Total Individual				Stage 1 Individual				Stage 2 Individual				Stage 3 Individual				Total Individual
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Debt Instrument
Investment grade			1,431,083				—				—				1,431,083				902,355				—				—				902,355
Non-investment grade			—				—				—				—				—				—				—				—
Without rating			—				—				—				—				—				—				—				—
Total			1,431,083				—				—				1,431,083				902,355				—				—				902,355

(b.2)  Analysis of changes in gross carrying amount and corresponding allowance for ECL by stage for financial instruments measured at amortized cost as of December 31, 2023 and 2022, is as follows:

Schedule of Financial Instruments Measured at Amortised Cost

Analysis of changes in gross carrying amount and corresponding allowance for ECL by stage for financial instruments measured at amortized cost as of December 31, 2023 and 2022, is as follows:

		Stage 1 Individual								Stage 2 Individual								Stage 3 Individual								Total
			Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$
Balance as of January 1, 2023			902,355				—				—				—				—				—				902,355				—
Net change on Balance *			528,728				—				—				—				—				—				528,728				—
Change in fair value			—				—				—				—				—				—				—				—
Transfer to Stage 1			—				—				—				—				—				—				—				—
Transfer to Stage 2																			—				—				—				—
Transfer to Stage 3			—				—				—				—				—				—				—				—
Impact on year-end ECL of exposures transferred between stages during the year **			—				—				—				—				—				—				—				—
Impact of net re-measurement of year-end ECL			—				—				—				—				—				—				—				—
Amounts written off			—				—				—				—				—				—				—				—
Balance as of December 31, 2023			1,431,083				—				—				—				—				—				1,431,083				—

		Stage 1 Individual								Stage 2 Individual								Stage 3 Individual								Total
		Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$
Balance as of January 1, 2022			839,744				—				—				—				—				—				839,744				—
Net change on Balance *			62,611				—				—				—				—				—				62,611				—
Change in fair value			—				—				—				—				—				—				—				—
Transfer to Stage 1			—				—				—				—				—				—				—				—
Transfer to Stage 2																			—				—				—				—
Transfer to Stage 3			—				—				—				—				—				—				—				—
Impact on year-end ECL of exposures transferred between stages during the year **			—				—				—				—				—				—				—				—
Impact of net re-measurement of year-end ECL			—				—				—				—				—				—				—				—
Amounts written off			—				—				—				—				—				—				—				—
Balance as of December 31, 2022			902,355				—				—				—				—				—				902,355				—

* Net change between assets purchased and assets derecognized excluding write offs.

** Represents the change in the year-end ECLs of exposures that were transferred from one stage to another during the year.

Schedule of Loans and Advances to Banks

Loans and advances to Banks: At the end of each period, the balances presented under this item are as follows:

		As of December 31, 2023												As of December 31, 2022
		Assets before Allowances				Allowances established				Net assets				Assets before Allowances				Allowances established				Net assets
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Domestic Banks
Interbank loans of liquidity			—				—				—				—				—				—
Interbank loans commercial			—				—				—				—				—				—
Current accounts overdrafts			—				—				—				—				—				—
Chilean exports foreign trade loans			—				—				—				—				—				—
Chilean imports foreign trade loans			—				—				—				—				—				—
Credits with third countries			—				—				—				—				—				—
Non-transferable deposits in domestic banks			—				—				—				—				—				—
Other debts with domestic banks			—				—				—				—				—				—
Foreign Banks
Interbank loans of liquidity			—				—				—				—				—				—
Interbank loans commercial			205,362				(561	)			204,801				186,660				(838	)			185,822
Current accounts overdrafts			—				—				—				—				—				—
Chilean exports foreign trade loans			213,636				(780	)			212,856				186,553				(801	)			185,752
Chilean imports foreign trade loans			—				—				—				—				—				—
Credits with third countries			—				—				—				479				(2	)			477
Current account deposits with foreign banks for derivatives transactions			—				—				—				—				—				—
Other non-transferable deposits with foreign banks			—				—				—				—				—				—
Other debts with foreign banks			—				—				—				—				—				—
Subtotal Domestic and Foreign Banks			418,998				(1,341	)			417,657				373,692				(1,641	)			372,051
Central Bank of Chile
Current account deposits for derivative transactions with a counterparty			—				—				—				—				—				—
Other deposits not available			2,100,933				—				2,100,933				1,801,100				—				1,801,100
Other receivables			—				—				—				—				—				—
Foreign Central Banks
Current account deposits for derivatives transactions			—				—				—				—				—				—
Other deposits not available			—				—				—				—				—				—
Other receivables			—				—				—				—				—				—
Subtotal Central Bank of Chile and Foreign Central Banks			2,100,933				—				2,100,933				1,801,100				—				1,801,100
Total			2,519,931				(1,341	)			2,518,590				2,174,792				(1,641	)			2,173,151

Schedule of Credit Quality and the Maximum Exposure to Credit Risk

The credit quality and the maximum exposure to credit risk based on the Bank’s internal credit rating system and year-end stage classification as of December 31, 2023 and 2022, is as follows:

		2023																2022
		Stage 1 Individual				Stage 2 Individual				Stage 3 Individual				Total				Stage 1 Individual				Stage 2 Individual				Stage 3 Individual				Total
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Domestic Banks
Normal			—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—
Non-complying			—				—				—				—				—				—				—				—
Subtotal			—				—				—				—				—				—				—				—
Foreign Banks
Normal			418,998				—				—				418,998				373,692				—				—				373,692
Substandard			—				—				—				—				—				—				—				—
Non-complying			—				—				—				—				—				—				—				—
Subtotal			418,998				—				—				418,998				373,692				—				—				373,692
Central Bank of Chile
Normal			2,100,933				—				—				2,100,933				1,801,100				—				—				1,801,100
Substandard			—				—				—				—				—				—				—				—
Non-complying			—				—				—				—				—				—				—				—
Subtotal			2,100,933				—				—				2,100,933				1,801,100				—				—				1,801,100
Total			2,519,931				—				—				2,519,931				2,174,792				—				—				2,174,792

Schedule of Gross Carrying Amount Corresponding Allowance for Ecl by Stage

Changes in gross carrying amount and corresponding allowance for ECL by stage as of December 31, 2023 and 2022, is as follows:

		Changes as of December 31, 2023
		Stage 1 Individual								Stage 2 Individual								Stage 3 Individual								Total
		Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$
ECL allowances as of January 1, 2023			2,174,792				(1,641	)			—				—				—				—				2,174,792				(1,641	)
Net change on Balance *			343,280				(30	)			—				—				—				—				343,280				(30	)
Transfer to Stage 1			—				—				—				—				—				—				—				—
Transfer to Stage 2			—				—				—				—				—				—				—				—
Transfer to Stage 3			—				—				—				—				—				—				—				—
Impact on year-end ECL of exposures transferred between stages during the year **			—				—				—				—				—				—				—				—
Refinements to models used for calculation			—				300				—				—				—				—				—				300
Amounts written off			—				—				—				—				—				—				—				—
Foreign exchange adjustments			1,859				30				—				—				—				—				1,859				30
Total			2,519,931				(1,341	)			—				—				—				—				2,519,931				(1,341	)

		Changes as of December 31, 2022
		Stage 1 Individual								Stage 2 Individual								Stage 3 Individual								Total
		Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$
ECL allowances as of January 1, 2022			1,529,832				(81	)			—				—				—				—				1,529,832				(81	)
Net change on Balance *			656,130				(439	)			—				—				—				—				656,130				(439	)
Transfer to Stage 1			—				—				—				—				—				—				—				—
Transfer to Stage 2			—				—				—				—				—				—				—				—
Transfer to Stage 3			—				—				—				—				—				—				—				—
Impact on year-end ECL of exposures transferred between stages during the year **			—				—				—				—				—				—				—				—
Refinements to models used for calculation			—				(1,270	)			—				—				—				—				—				(1,270	)
Amounts written off			—				—				—				—				—				—				—				—
Foreign exchange adjustments			(11,170	)			149				—				—				—				—				(11,170	)			149
Total			2,174,792				(1,641	)			—				—				—				—				2,174,792				(1,641	)

* Net change between assets originated and assets repaid, excluding write offs.

** Represents the change in the year-end ECLs of exposures that were transferred from one stage to another during the year.

Schedule of Loans to Customer

Loans to Customers: At the end of each period, the balances presented under this item are as follows:

		As of December 31, 2023												As of December 31, 2022
		Assets before Allowances				Allowances established				Net assets				Assets before Allowances				Allowances established				Net assets
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Commercial loans
Commercial loans			15,500,934				(198,109	)			15,302,825				15,891,074				(258,330	)			15,632,744
Chilean exports foreign trade loans			1,138,316				(8,905	)			1,129,411				956,512				(9,986	)			946,526
Accrediting foreign trade loans negotiated in terms of Chilean imports			94				(2	)			92				2,715				(16	)			2,699
Chilean imports foreign trade loans			583,013				(8,139	)			574,874				698,595				(10,184	)			688,411
Current account debtors			186,515				(6,274	)			180,241				175,659				(7,194	)			168,465
Credit card debtors			107,766				(10,989	)			96,777				88,513				(8,196	)			80,317
Factoring transactions			603,354				(4,506	)			598,848				628,546				(5,847	)			622,699
Commercial lease transactions (1)			1,822,495				(11,245	)			1,811,250				1,782,081				(13,071	)			1,769,010
Student loans			56,923				(2,744	)			54,179				59,752				(3,628	)			56,124
Other loans and accounts receivable			30,634				(8,728	)			21,906				25,298				(5,015	)			20,283
Subtotal			20,030,044				(259,641	)			19,770,403				20,308,745				(321,467	)			19,987,278
Mortgage loans
Mortgage bonds			2,500				(10	)			2,490				3,907				(23	)			3,884
Endorsable mortgage mutual loans			11,327				(40	)			11,287				14,604				(77	)			14,527
Mortgage mutual financed with mortgage bonds			—				—				—				—				—				—
Other mortgage mutual loans			12,132,671				(31,951	)			12,100,720				11,242,986				(49,041	)			11,193,945
Residential lease transactions (1)			—				—				—				—				—				—
Other loans and accounts receivable			164,270				(1,501	)			162,769				160,825				(1,505	)			159,320
Subtotal			12,310,768				(33,502	)			12,277,266				11,422,322				(50,646	)			11,371,676
Consumer loans
Consumer loans in installments			3,182,932				(349,864	)			2,833,068				3,115,069				(374,320	)			2,740,749
Current account debtors			270,974				(7,221	)			263,753				253,409				(12,512	)			240,897
Credit card debtors			1,854,678				(58,695	)			1,795,983				1,625,210				(61,758	)			1,563,452
Consumer lease transactions (1)			380				(20	)			360				503				(31	)			472
Other loans and accounts receivable			1,498				(1,244	)			254				1,039				(875	)			164
Subtotal			5,310,462				(417,044	)			4,893,418				4,995,230				(449,496	)			4,545,734
Total			37,651,274				(710,187	)			36,941,087				36,726,297				(821,609	)			35,904,688

(1) In this item, the Bank finances its clients’ purchases of assets, including real estate and other personal property, through financial lease agreements. As of December 31, 2023, Ch$922,174 million corresponds to financial leases for real estate (Ch$910,492 million in December 31, 2022) and Ch$900,701 million corresponds to financial leases for other assets (Ch$872,092 million in December 31, 2022).

(d.1)  Impairment allowance for loans to customers:

i. The credit quality and the maximum exposure to credit risk based on the Bank’s internal credit rating system and year-end stage classification as of December 31, 2023 and 2022, are as follows:

Schedule of Credit Quality and the Maximum Exposure to Credit Risk Based on the Bank’s Internal Credit

The credit quality and the maximum exposure to credit risk based on the Bank’s internal credit rating system and year-end stage classification as of December 31, 2023 and 2022, are as follows:

		2023
		Stage 1								Stage 2								Stage 3
		Individual				Group				Individual				Group				Individual				Group				POCI				Total
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Commercial loans
Normal			14,599,022				4,144,669				42,993				350,612				—				2,112				78				19,139,486
Substandard			—				—				238,130				—				—				—				2,652				240,782
Non-complying			—				—				—				—				265,932				377,682				6,162				649,776
Subtotal			14,599,022				4,144,669				281,123				350,612				265,932				379,794				8,892				20,030,044
Mortgage loans
Normal			—				11,150,943				—				884,563				—				6,136				—				12,041,642
Non-complying			—				—				—				—				—				269,126				—				269,126
Subtotal			—				11,150,943				—				884,563				—				275,262				—				12,310,768
Consumer loans
Normal			—				4,447,346				—				578,426				—				3,971				81				5,029,824
Non-complying			—				—				—								—				279,232				1,406				280,638
Subtotal			—				4,447,346				—				578,426				—				283,203				1,487				5,310,462
Total			14,599,022				19,742,958				281,123				1,813,601				265,932				938,259				10,379				37,651,274

		2022
		Stage 1								Stage 2								Stage 3								POCI				Total
		Individual				Group				Individual				Group				Individual				Group
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Commercial loans
Normal			14,935,868				4,232,711				22,906				299,345				—				1,302				304				19,492,436
Substandard			—				—				286,605				—				—				—				561				287,166
Non-complying			—				—				—				—				218,780				308,057				2,306				529,143
Subtotal			14,935,868				4,232,711				309,511				299,345				218,780				309,359				3,171				20,308,745
Mortgage loans
Normal			—				10,490,690				—				722,028				—				4,444				—				11,217,162
Non-complying			—				—				—				—				—				205,160				—				205,160
Subtotal			—				10,490,690				—				722,028				—				209,604				—				11,422,322
Consumer loans
Normal			—				4,304,927				—				460,669				—				3,867				186				4,769,649
Non-complying			—				—				—				—				—				223,800				1,781				225,581
Subtotal			—				4,304,927				—				460,669				—				227,667				1,967				4,995,230
Total			14,935,868				19,028,328				309,511				1,482,042				218,780				746,630				5,138				36,726,297

(d.1)  Impairment allowance for loans to customers, continued:

ii. Changes in gross carrying amount and corresponding allowance for ECL by stage as of December 31, 2023 and 2022, is as follows:

Schedule of Gross Carrying Amount and Corresponding Allowance for ECL

Changes in gross carrying amount and corresponding allowance for ECL by stage as of December 31, 2023 and 2022, is as follows:

		Changes as of December 31, 2023
		Stage 1																Stage 2																Stage 3
		Individual								Group								Individual								Group								Individual								Group								POCI								Total
		Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$
Commercial loans
Balance as of January 1, 2023			14,935,868				(67,132	)			4,232,711				(46,815	)			309,511				(54,679	)			299,345				(12,247	)			218,780				(53,675	)			309,359				(86,138	)			3,171				(781	)			20,308,745				(321,467	)
Net change on Balance *			(257,010	)			24,200				198,208				9,612				(80,797	)			37,103				(83,775	)			(1,000	)			(21,611	)			(26,358	)			(8,226	)			(55,616	)			5,722				(767	)			(247,489	)			(12,826	)
Transfer to Stage 1			288,294				(9,423	)			1,024,367				(32,758	)			(287,616	)			9,420				(993,013	)			27,693				(679	)			3				(31,353	)			5,065				—				—				—				—
Transfer to Stage 2			(430,074	)			1,395				(1,293,243	)			17,625				436,588				(1,707	)			1,309,442				(20,486	)			(6,514	)			312				(16,199	)			2,861				—				—				—				—
Transfer to Stage 3			(2,573	)			20				(18,801	)			1,046				(96,930	)			10,231				(181,506	)			19,228				99,502				(10,251	)			200,308				(20,274	)			—				—				—				—
Impact on year-end ECL of exposures transferred between stages during the year**			—				8,195				—				24,679				—				(8,654	)			—				(25,669	)			—				(3,766	)			—				(10,834	)			—				—				—				(16,049	)
Refinements to models used for calculation			—				(12,935	)			—				4,518				—				(1,766	)			—				1,665				—				—				—				59				—				—				—				(8,459	)
Amounts written off			—				—				—				—				—				—				—				—				(25,871	)			25,871				(74,206	)			74,206				—				—				(100,077	)			100,077
Foreign exchange adjustments			64,517				(229	)			1,427				(51	)			367				(64	)			119				(2	)			2,325				(526	)			111				(45	)			(1	)			—				68,865				(917	)
Subtotal Commercial loans			14,599,022				(55,909	)			4,144,669				(22,144	)			281,123				(10,116	)			350,612				(10,818	)			265,932				(68,390	)			379,794				(90,716	)			8,892				(1,548	)			20,030,044				(259,641	)
Mortgage loans
Balance as of January 1, 2023			—				—				10,490,690				(15,249	)			—				—				722,028				(21,553	)			—				—				209,604				(13,844	)			—				—				11,422,322				(50,646	)
Net change on Balance *			—				—				950,450				3,787				—				—				(26,788	)			(13,572	)			—				—				(26,492	)			1,189				—				—				897,170				(8,596	)
Transfer to Stage 1			—				—				2,091,400				(40,722	)			—				—				(2,071,249	)			39,977				—				—				(20,151	)			745				—				—				—				—
Transfer to Stage 2			—				—				(2,379,998	)			4,327				—				—				2,407,618				(6,867	)			—				—				(27,620	)			2,540				—				—				—				—
Transfer to Stage 3			—				—				(1,599	)			16				—				—				(147,046	)			18,021				—				—				148,645				(18,037	)			—				—				—				—
Impact on year-end ECL of exposures transferred between stages during the year**			—				—				—				37,408				—				—				—				(44,502	)			—				—				—				7,982				—				—				—				888
Refinements to models used for calculation			—				—				—				1,377				—				—				—				14,751				—				—				—				—				—				—				—				16,128
Amounts written off			—				—				—				—				—				—				—				—				—				—				(8,724	)			8,724				—				—				(8,724	)			8,724
Foreign exchange adjustments			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
Subtotal Mortgage loans			—				—				11,150,943				(9,056	)			—				—				884,563				(13,745	)			—				—				275,262				(10,701	)			—				—				12,310,768				(33,502	)
Consumer loans
Balance as of January 1, 2023			—				—				4,304,927				(227,372	)			—				—				460,669				(86,732	)			—				—				227,667				(134,171	)			1,967				(1,221	)			4,995,230				(449,496	)
Net change on Balance *			—				—				697,853				(21,330	)			—				—				(128,809	)			(14,903	)			—				—				70,032				(168,056	)			(480	)			330				638,596				(203,959	)
Transfer to Stage 1			—				—				1,271,755				(193,342	)			—				—				(1,231,470	)			172,319				—				—				(40,285	)			21,023				—				—				—				—
Transfer to Stage 2			—				—				(1,807,123	)			145,966				—				—				1,829,938				(157,221	)			—				—				(22,815	)			11,255				—				—				—				—
Transfer to Stage 3			—				—				(22,272	)			4,333				—				—				(351,957	)			165,046				—				—				374,229				(169,379	)			—				—				—				—
Impact on year-end ECL of exposures transferred between stages during the year**			—				—				—				126,021				—				—				—				(178,730	)			—				—				—				(43,970	)			—				—				—				(96,679	)
Refinements to models used for calculation			—				—				—				1,452				—				—				—				6,032				—				—				—				—				—				—				—				7,484
Amounts written off			—				—				—				—				—				—				—				—				—				—				(325,626	)			325,626				—				—				(325,626	)			325,626
Foreign exchange adjustments			—				—				2,206				(18	)			—				—				55				(1	)			—				—				1				(1	)			—				—				2,262				(20	)
Subtotal Consumer loans			—				—				4,447,346				(164,290	)			—				—				578,426				(94,190	)			—				—				283,203				(157,673	)			1,487				(891	)			5,310,462				(417,044	)
Total			14,599,022				(55,909	)			19,742,958				(195,490	)			281,123				(10,116	)			1,813,601				(118,753	)			265,932				(68,390	)			938,259				(259,090	)			10,379				(2,439	)			37,651,274				(710,187	)

* Net change between assets originated and assets repaid excluding write offs.

** Represents the change in the year-end ECLs of exposures that were transferred from one stage to another during the year.

		Changes as of December 31, 2022
		Stage 1																Stage 2																Stage 3
		Individual								Group								Individual								Group								Individual								Group								POCI								Total
		Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$				Gross carrying amount MCh$				ECL MCh$
Commercial loans
Balance as of January 1, 2022			10,968,881				(30,681	)			4,579,194				(57,965	)			3,459,715				(94,339	)			214,276				(8,306	)			167,633				(56,154	)			280,313				(70,594	)			2,320				(802	)			19,672,332				(318,841	)
Net change on Balance *			1,146,093				5,301				(110,736	)			11,628				(218,018	)			(19,888	)			(60,023	)			(4,870	)			(23,535	)			(1,065	)			(4,502	)			(56,158	)			993				(428	)			730,272				(65,480	)
Transfer to Stage 1			3,420,173				(33,979	)			901,257				(30,100	)			(3,419,679	)			33,865				(892,717	)			28,450				(494	)			114				(8,540	)			1,650				—				—				—				—
Transfer to Stage 2			(563,832	)			1,178				(1,119,924	)			13,749				566,547				(1,667	)			1,168,769				(20,952	)			(2,715	)			489				(48,845	)			7,203				—				—				—				—
Transfer to Stage 3			(9,385	)			44				(17,019	)			973				(93,970	)			5,132				(130,928	)			14,807				103,354				(5,176	)			147,948				(15,780	)			—				—				—				—
Impact on year-end ECL of exposures transferred between stages during the year**			—				19,277				—				21,966				—				(7,754	)			—				(22,854	)			—				(16,753	)			—				(9,448	)			—				—				—				(15,566	)
Refinements to models used for calculation			—				(29,263	)			—				(7,218	)			—				29,670				—				1,446				—				(1,500	)			—				—				—				307				—				(6,558	)
Amounts written off			(2	)			2				(2	)			2				(16	)			16				(30	)			30				(26,788	)			26,788				(56,977	)			56,977				(142	)			142				(83,957	)			83,957
Foreign exchange adjustments			(26,060	)			989				(59	)			150				14,932				286				(2	)			2				1,325				(418	)			(38	)			12				—				—				(9,902	)			1,021
Subtotal Commercial loans			14,935,868				(67,132	)			4,232,711				(46,815	)			309,511				(54,679	)			299,345				(12,247	)			218,780				(53,675	)			309,359				(86,138	)			3,171				(781	)			20,308,745				(321,467	)
Mortgage loans
Balance as of January 1, 2022			—				—				9,608,872				(8,266	)			—				—				449,804				(12,115	)			—				—				287,818				(18,601	)			34				(4	)			10,346,528				(38,986	)
Net change on Balance *			—				—				1,074,711				(2,120	)			—				—				21,391				(11,491	)			—				—				(9,228	)			(10,037	)			(34	)			4				1,086,840				(23,644	)
Transfer to Stage 1			—				—				1,660,510				(45,169	)			—				—				(1,620,547	)			41,432				—				—				(39,963	)			3,737				—				—				—				—
Transfer to Stage 2			—				—				(1,842,069	)			3,667				—				—				1,966,976				(12,895	)			—				—				(124,907	)			9,228				—				—				—				—
Transfer to Stage 3			—				—				(11,323	)			84				—				—				(95,613	)			12,562				—				—				106,936				(12,646	)			—				—				—				—
Impact on year-end ECL of exposures transferred between stages during the year**			—				—				—				42,189				—				—				—				(42,489	)			—				—				—				3,423				—				—				—				3,123
Refinements to models used for calculation			—				—				—				(5,645	)			—				—				—				3,460				—				—				—				—				—				—				—				(2,185	)
Amounts written off			—				—				(11	)			11				—				—				17				(17	)			—				—				(11,052	)			11,052				—				—				(11,046	)			11,046
Foreign exchange adjustments			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
Subtotal Mortgage loans			—				—				10,490,690				(15,249	)			—				—				722,028				(21,553	)			—				—				209,604				(13,844	)			—				—				11,422,322				(50,646	)
Consumer loans
Balance as of January 1, 2022			—				—				3,739,887				(153,994	)			—				—				287,814				(49,109	)			—				—				218,029				(111,804	)			1,283				(762	)			4,247,013				(315,669	)
Net change on Balance *			—				—				961,038				(159,017	)			—				—				(52,847	)			(14,962	)			—				—				9,800				(92,191	)			708				(484	)			918,699				(266,654	)
Transfer to Stage 1			—				—				986,727				(165,534	)			—				—				(976,316	)			159,538				—				—				(10,411	)			5,996				—				—				—				—
Transfer to Stage 2			—				—				(1,360,916	)			125,259				—				—				1,429,394				(155,549	)			—				—				(68,478	)			30,290				—				—				—				—
Transfer to Stage 3			—				—				(21,686	)			3,677				—				—				(227,370	)			104,895				—				—				249,056				(108,572	)			—				—				—				—
Impact on year-end ECL of exposures transferred between stages during the year**			—				—				—				104,217				—				—				—				(137,853	)			—				—				—				(28,215	)			—				—				—				(61,851	)
Refinements to models used for calculation			—				—				—				17,927				—				—				—				6,277				—				—				—				—				—				1				—				24,205
Amounts written off			—				—				(96	)			96				—				—				(32	)			32				—				—				(170,324	)			170,324				(24	)			24				(170,476	)			170,476
Foreign exchange adjustments			—				—				(27	)			(3	)			—				—				26				(1	)			—				—				(5	)			1				—				—				(6	)			(3	)
Subtotal Consumer loans			—				—				4,304,927				(227,372	)			—				—				460,669				(86,732	)			—				—				227,667				(134,171	)			1,967				(1,221	)			4,995,230				(449,496	)
Total			14,935,868				(67,132	)			19,028,328				(289,436	)			309,511				(54,679	)			1,482,042				(120,532	)			218,780				(53,675	)			746,630				(234,153	)			5,138				(2,002	)			36,726,297				(821,609	)

Schedule of Bank’s Loan Portfolio

The following table details the Bank’s loan portfolio as of December 31, 2023 and 2022 by the customer’s industry sector and their respective economic activity:

		Credit and Contingent loans Exposure																								Allowances Established
		Domestic loans								Foreign loans								Total				Total				Domestic loans								Foreign loans								Total				Total
		2023				2022				2023				2022				2023				2022				2023				2022				2023				2022				2023				2022
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Loans and advances to Banks			2,100,933				1,801,100				418,998				373,692				2,519,931				2,174,792				—				—				(1,341	)			(1,641	)			(1,341	)			(1,641	)
Commercial loans
Agriculture and livestock			788,942				797,920				—				—				788,942				797,920				(9,046	)			(11,310	)			—				—				(9,046	)			(11,310	)
Fruit			646,608				663,630				—				—				646,608				663,630				(4,456	)			(4,903	)			—				—				(4,456	)			(4,903	)
Forestry			101,406				102,548				—				—				101,406				102,548				(1,352	)			(1,369	)			—				—				(1,352	)			(1,369	)
Fishing			26,339				30,513				—				—				26,339				30,513				(788	)			(1,331	)			—				—				(788	)			(1,331	)
Mining			417,164				314,890				—				—				417,164				314,890				(2,532	)			(4,666	)			—				—				(2,532	)			(4,666	)
Oil and natural gas			416				1,011				—				—				416				1,011				(8	)			(15	)			—				—				(8	)			(15	)
Product manufacturing industries:
Foods, beverages and tobacco			513,197				594,923				—				—				513,197				594,923				(10,565	)			(12,316	)			—				—				(10,565	)			(12,316	)
Textiles, leather goods and footwear			33,100				33,145				—				—				33,100				33,145				(599	)			(625	)			—				—				(599	)			(625	)
Woods and furnitures			78,409				105,551				—				—				78,409				105,551				(1,295	)			(1,553	)			—				—				(1,295	)			(1,553	)
Cellulose, Paper and printing			16,931				20,974				—				—				16,931				20,974				(591	)			(598	)			—				—				(591	)			(598	)
Chemicals and petroleum products			298,883				365,239				—				—				298,883				365,239				(2,046	)			(3,290	)			—				—				(2,046	)			(3,290	)
Metal, non-metal, machine or others			551,922				574,496				—				—				551,922				574,496				(7,367	)			(9,612	)			—				—				(7,367	)			(9,612	)
Electricity, gas and water			438,147				463,558				1,326				—				439,473				463,558				(2,342	)			(3,784	)			(19	)			—				(2,361	)			(3,784	)
Residential construction			265,086				271,923				—				—				265,086				271,923				(9,699	)			(10,596	)			—				—				(9,699	)			(10,596	)
Non-residential construction (office, civil engineering)			409,154				356,241				—				—				409,154				356,241				(11,060	)			(8,432	)			—				—				(11,060	)			(8,432	)
Wholesale			1,798,723				2,037,033				—				—				1,798,723				2,037,033				(34,250	)			(33,387	)			—				—				(34,250	)			(33,387	)
Retail, restaurants and hotels			1,016,553				1,042,290				—				6,752				1,016,553				1,049,042				(34,404	)			(39,141	)			—				(99	)			(34,404	)			(39,240	)
Transport and storage			1,105,436				1,210,250				—				—				1,105,436				1,210,250				(16,599	)			(21,849	)			—				—				(16,599	)			(21,849	)
Communications			102,522				232,984				—				—				102,522				232,984				(2,121	)			(3,989	)			—				—				(2,121	)			(3,989	)
Financial services			3,219,991				2,990,516				—				—				3,219,991				2,990,516				(9,217	)			(12,372	)			—				—				(9,217	)			(12,372	)
Business services			1,976,971				2,004,481				—				19,425				1,976,971				2,023,906				(38,908	)			(48,666	)			—				(136	)			(38,908	)			(48,802	)
Real estate services			3,361,066				3,338,704				19,931				3,367				3,380,997				3,342,071				(15,986	)			(41,809	)			(273	)			(24	)			(16,259	)			(41,833	)
Student loans			56,924				59,753				—				—				56,924				59,753				(2,744	)			(3,628	)			—				—				(2,744	)			(3,628	)
Government administration, defence and police force			21,438				26,146				—				—				21,438				26,146				(269	)			(317	)			—				—				(269	)			(317	)
Social services and other  community services			900,822				833,275				—				—				900,822				833,275				(13,044	)			(13,933	)			—				—				(13,044	)			(13,933	)
Personal services			1,862,637				1,807,207				—				—				1,862,637				1,807,207				(28,061	)			(27,717	)			—				—				(28,061	)			(27,717	)
Subtotal			20,008,787				20,279,201				21,257				29,544				20,030,044				20,308,745				(259,349	)			(321,208	)			(292	)			(259	)			(259,641	)			(321,467	)
Residential mortgage loans			12,310,768				11,422,322				—				—				12,310,768				11,422,322				(33,502	)			(50,646	)			—				—				(33,502	)			(50,646	)
Consumer loans			5,310,462				4,995,230				—				—				5,310,462				4,995,230				(417,044	)			(449,496	)			—				—				(417,044	)			(449,496	)
Contingent loan exposure			13,547,435				12,890,795				—				—				13,547,435				12,890,795				(89,640	)			(143,489	)			—				—				(89,640	)			(143,489	)

Schedule of Concentration of Credit Risk

The following table details the Bank’s loan portfolio as of December 31, 2023 and 2022 by tranches of days past-due:

		Financial assets before allowances																																Allowances established
As of		Stage 1 Evaluation								Stage 2 Evaluation								Stage 3 Evaluation								POCI				Total				Stage 1 Evaluation								Stage 2 Evaluation								Stage 3 Evaluation								POCI				Total				Net Financial Assets
December 31,		Individual				Group				Individual				Group				Individual				Group												Individual				Group				Individual				Group				Individual				Group
2023		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Loans and advances to Banks
0 days			2,432,163				—				—				—				—				—				—				2,432,163				(909	)			—				—				—				—				—				—				(909	)			2,431,254
1 to 29 days			87,768				—				—				—				—				—				—				87,768				(432	)			—				—				—				—				—				—				(432	)			87,336
30 to 59 days			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
60 to 89 days			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
> = 90 days			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
Subtotal			2,519,931				—				—				—				—				—				—				2,519,931				(1,341	)			—				—				—				—				—				—				(1,341	)			2,518,590
Commercial loans
0 days			14,430,127				4,117,186				237,042				210,755				89,282				90,287				8,168				19,182,847				(55,341	)			(21,025	)			(8,204	)			(2,979	)			(20,131	)			(15,064	)			(1,137	)			(123,881	)			19,058,966
1 to 29 days			148,791				27,483				26,668				88,195				9,591				28,001				724				329,453				(459	)			(1,119	)			(719	)			(3,745	)			(2,123	)			(4,172	)			(411	)			(12,748	)			316,705
30 to 59 days			12,759				—				13,111				42,034				18,279				29,025				—				115,208				(49	)			—				(1,006	)			(2,993	)			(2,484	)			(4,590	)			—				(11,122	)			104,086
60 to 89 days			7,345				—				4,302				9,628				8,614				23,580				—				53,469				(60	)			—				(187	)			(1,101	)			(461	)			(3,774	)			—				(5,583	)			47,886
> = 90 days			—				—				—				—				140,166				208,901				—				349,067				—				—				—				—				(43,191	)			(63,116	)			—				(106,307	)			242,760
Subtotal			14,599,022				4,144,669				281,123				350,612				265,932				379,794				8,892				20,030,044				(55,909	)			(22,144	)			(10,116	)			(10,818	)			(68,390	)			(90,716	)			(1,548	)			(259,641	)			19,770,403
Residential mortgage loans
0 days			—				11,130,137				—				599,734				—				50,882				—				11,780,753				—				(8,538	)			—				(4,728	)			—				(2,346	)			—				(15,612	)			11,765,141
1 to 29 days			—				20,806				—				187,607				—				30,277				—				238,690				—				(518	)			—				(3,760	)			—				(919	)			—				(5,197	)			233,493
30 to 59 days			—				—				—				74,184				—				27,827				—				102,011				—				—				—				(3,611	)			—				(861	)			—				(4,472	)			97,539
60 to 89 days			—				—				—				23,038				—				24,732				—				47,770				—				—				—				(1,646	)			—				(1,314	)			—				(2,960	)			44,810
> = 90 days			—				—				—				—				—				141,544				—				141,544				—				—				—				—				—				(5,261	)			—				(5,261	)			136,283
Subtotal			—				11,150,943				—				884,563				—				275,262				—				12,310,768				—				(9,056	)			—				(13,745	)			—				(10,701	)			—				(33,502	)			12,277,266
Consumer loans
0 days			—				4,406,805				—				391,601				—				90,983				464				4,889,853				—				(152,643	)			—				(27,036	)			—				(46,325	)			(234	)			(226,238	)			4,663,615
1 to 29 days			—				40,541				—				106,672				—				26,734				1,023				174,970				—				(11,647	)			—				(32,205	)			—				(13,177	)			(657	)			(57,686	)			117,284
30 to 59 days			—				—				—				61,334				—				32,441				—				93,775				—				—				—				(24,624	)			—				(17,384	)			—				(42,008	)			51,767
60 to 89 days			—				—				—				18,819				—				31,703				—				50,522				—				—				—				(10,325	)			—				(17,644	)			—				(27,969	)			22,553
> = 90 days			—				—				—				—				—				101,342				—				101,342				—				—				—				—				—				(63,143	)			—				(63,143	)			38,199
Subtotal			—				4,447,346				—				578,426				—				283,203				1,487				5,310,462				—				(164,290	)			—				(94,190	)			—				(157,673	)			(891	)			(417,044	)			4,893,418
Total Loans			17,118,953				19,742,958				281,123				1,813,601				265,932				938,259				10,379				40,171,205				(57,250	)			(195,490	)			(10,116	)			(118,753	)			(68,390	)			(259,090	)			(2,439	)			(711,528	)			39,459,677

		Financial assets before allowances																																Allowances established
As of		Stage 1 Evaluation								Stage 2 Evaluation								Stage 3 Evaluation								POCI				Total				Stage 1 Evaluation								Stage 2 Evaluation								Stage 3 Evaluation								POCI				Total				Net Financial Assets
December 31,		Individual				Group				Individual				Group				Individual				Group												Individual				Group				Individual				Group				Individual				Group
2022		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Loans and advances to Banks
0 days			2,072,225				—				—				—				—				—				—				2,072,225				(1,196	)			—				—				—				—				—				—				(1,196	)			2,071,029
1 to 29 days			102,567				—				—				—				—				—				—				102,567				(445	)			—				—				—				—				—				—				(445	)			102,122
30 to 59 days			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
60 to 89 days			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
> = 90 days			—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—				—
Subtotal			2,174,792				—				—				—				—				—				—				2,174,792				(1,641	)			—				—				—				—				—				—				(1,641	)			2,173,151
Commercial loans
0 days			14,805,342				4,206,656				265,534				183,412				89,347				76,871				2,279				19,629,441				(66,719	)			(44,598	)			(49,972	)			(3,351	)			(16,338	)			(16,971	)			(453	)			(198,402	)			19,431,039
1 to 29 days			116,766				26,055				22,281				72,746				29,469				23,338				892				291,547				(322	)			(2,217	)			(3,083	)			(4,561	)			(4,196	)			(4,618	)			(328	)			(19,325	)			272,222
30 to 59 days			7,351				—				17,424				34,544				14,375				22,225				—				95,919				(43	)			—				(1,094	)			(3,216	)			(4,331	)			(4,878	)			—				(13,562	)			82,357
60 to 89 days			6,409				—				4,272				8,643				7,907				16,188				—				43,419				(48	)			—				(530	)			(1,119	)			(2,879	)			(3,801	)			—				(8,377	)			35,042
> = 90 days			—				—				—				—				77,682				170,737				—				248,419				—				—				—				—				(25,931	)			(55,870	)			—				(81,801	)			166,618
Subtotal			14,935,868				4,232,711				309,511				299,345				218,780				309,359				3,171				20,308,745				(67,132	)			(46,815	)			(54,679	)			(12,247	)			(53,675	)			(86,138	)			(781	)			(321,467	)			19,987,278
Residential mortgage loans
0 days			—				10,473,030				—				526,154				—				52,348				—				11,051,532				—				(14,787	)			—				(3,174	)			—				(4,041	)			—				(22,002	)			11,029,530
1 to 29 days			—				17,660				—				131,994				—				23,442				—				173,096				—				(462	)			—				(9,448	)			—				(1,681	)			—				(11,591	)			161,505
30 to 59 days			—				—				—				50,866				—				17,724				—				68,590				—				—				—				(6,764	)			—				(1,279	)			—				(8,043	)			60,547
60 to 89 days			—				—				—				13,014				—				17,661				—				30,675				—				—				—				(2,167	)			—				(1,566	)			—				(3,733	)			26,942
> = 90 days			—				—				—				—				—				98,429				—				98,429				—				—				—				—				—				(5,277	)			—				(5,277	)			93,152
Subtotal			—				10,490,690				—				722,028				—				209,604				—				11,422,322				—				(15,249	)			—				(21,553	)			—				(13,844	)			—				(50,646	)			11,371,676
Consumer loans
0 days			—				4,258,038				—				301,463				—				73,583				886				4,633,970				—				(210,218	)			—				(22,012	)			—				(42,196	)			(525	)			(274,951	)			4,359,019
1 to 29 days			—				46,889				—				90,349				—				18,695				1,081				157,014				—				(17,154	)			—				(32,745	)			—				(10,147	)			(696	)			(60,742	)			96,272
30 to 59 days			—				—				—				52,835				—				24,344				—				77,179				—				—				—				(23,268	)			—				(13,779	)			—				(37,047	)			40,132
60 to 89 days			—				—				—				16,022				—				25,101				—				41,123				—				—				—				(8,707	)			—				(14,165	)			—				(22,872	)			18,251
> = 90 days			—				—				—				—				—				85,944				—				85,944				—				—				—				—				—				(53,884	)			—				(53,884	)			32,060
Subtotal			—				4,304,927				—				460,669				—				227,667				1,967				4,995,230				—				(227,372	)			—				(86,732	)			—				(134,171	)			(1,221	)			(449,496	)			4,545,734
Total Loans			17,110,660				19,028,328				309,511				1,482,042				218,780				746,630				5,138				38,901,089				(68,773	)			(289,436	)			(54,679	)			(120,532	)			(53,675	)			(234,153	)			(2,002	)			(823,250	)			38,077,839

Schedule of Financial Lease Contracts

As of December 31, 2023 and 2022, the Bank’s scheduled cash flows to be received from financial leasing contracts have the following maturities as follows:

		Total receivable								Unearned income								Net lease receivable (*)
		2023				2022				2023				2022				2023				2022
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Due within one year			610,657				583,321				(88,444	)			(76,614	)			522,213				506,707
Due after 1 year but within 2 years			453,713				433,397				(63,079	)			(55,714	)			390,634				377,683
Due after 2 years but within 3 years			301,560				294,728				(38,839	)			(35,133	)			262,721				259,595
Due after 3 years but within 4 years			199,376				191,083				(25,018	)			(22,481	)			174,358				168,602
Due after 4 years but within 5 years			133,011				134,590				(17,248	)			(15,614	)			115,763				118,976
Due after 5 years			383,050				378,280				(36,064	)			(33,166	)			346,986				345,114
Total			2,081,367				2,015,399				(268,692	)			(238,722	)			1,812,675				1,776,677

(*) The net balance receivable does not include the total overdue portfolio totaling Ch$10,200 million and Ch$5,907 million as of December 31, 2023 and 2022, respectively. This overdue portfolio only reflects the past due portion without considering the remaining outstanding principal and interest.

Schedule of Bank has Carried Out Transactions of Sale or Transfer of the Loan Portfolio

During 2023 and 2022 the Bank has carried out transactions of sale or transfer of the loan portfolio according to the following:

		As of December 31, 2023
		Carrying amount				Allowances released				Sale price				Effect on income (loss) gain (*)
		MCh$				MCh$				MCh$				MCh$
Sale of outstanding loans			17,013				(262	)			17,007				256
Sale of write-off loans			—				—				—				—
Total			17,013				(262	)			17,007				256

		As of December 31, 2022
		Carrying amount				Allowances released				Sale price				Effect on income (loss) gain (*)
		MCh$				MCh$				MCh$				MCh$
Sale of outstanding loans			7,908				(2,264	)			7,908				2,264
Sale of write-off loans			—				—				—				—
Total			7,908				(2,264	)			7,908				2,264

(*) See Note No. 31.

(j) Securitization of own assets:

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