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Risk Management and Report (Tables)

12 Months Ended

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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- Definition

The tabular disclosure of amortised costs and net loss due to modification of financial assets.

+ References

No definition available.

+ Details

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- Definition

The disclosure of detailed information about banking book interest rate exposure by contractual maturity.

+ References

No definition available.

+ Details

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- Definition

The disclosure of detailed information about book value of loans with renegotiated terms.

+ References

No definition available.

+ Details

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- Definition

The disclosure of detailed information about of contracts susceptible to offset.

+ References

No definition available.

+ Details

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Namespace Prefix:	bch_
Data Type:	dtr:textBlockItemType
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- Definition

Disclosure of Contractual Maturity Profile of the Financial Liabilities.

+ References

No definition available.

+ Details

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Namespace Prefix:	bch_
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- Definition

Tabular disclosure of credit limit granted to debtors.

+ References

No definition available.

+ Details

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Data Type:	dtr:textBlockItemType
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- Definition

The entire disclosure for evolution of the liquidity coverage ratio and net stable funding ratio.

+ References

No definition available.

+ Details

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Namespace Prefix:	bch_
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- Definition

The disclosure of detailed information about some financial ratios which are used to detect structural changes of the balance sheet profile used in managing liquidity risk.

+ References

No definition available.

+ Details

Name:	bch_DisclosureOfFinancialRatiosTableTextBlock
Namespace Prefix:	bch_
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X

- Definition

The disclosure of detailed information about guarantee values.

+ References

No definition available.

+ Details

Name:	bch_DisclosureOfGuaranteeValuesTableTextBlock
Namespace Prefix:	bch_
Data Type:	dtr:textBlockItemType
Balance Type:	na
Period Type:	duration

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- Definition

The disclosure of detailed information about NRFF (net revenue from funds) impact on accrual book resulting from application of adverse market scenarios.

+ References

No definition available.

+ Details

Name:	bch_DisclosureOfNetRevenueFromFundsImpactOnAccrualBookTableTextBlock
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Data Type:	dtr:textBlockItemType
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- Definition

The disclosure of detailed information about potential profit and loss impact on the trading book resulting from application of adverse market scenarios.

+ References

No definition available.

+ Details

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Namespace Prefix:	bch_
Data Type:	dtr:textBlockItemType
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Period Type:	duration

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- Definition

The disclosure of detailed information about potential profit and loss impact on the trading book resulting from application of adverse market scenarios.

+ References

No definition available.

+ Details

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Namespace Prefix:	bch_
Data Type:	dtr:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

The disclosure of detailed information about usage of cross currency funding values in managing liquidity risk.

+ References

No definition available.

+ Details

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Namespace Prefix:	bch_
Data Type:	dtr:textBlockItemType
Balance Type:	na
Period Type:	duration

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- Definition

The disclosure of detailed information about Earnings-at-Risk (EaR) measurements used in calculation of market risk.

+ References

No definition available.

+ Details

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Namespace Prefix:	bch_
Data Type:	dtr:textBlockItemType
Balance Type:	na
Period Type:	duration

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- Definition

The disclosure of detailed information about usage of management asset report value in managing liquidity risk.

+ References

No definition available.

+ Details

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Namespace Prefix:	bch_
Data Type:	dtr:textBlockItemType
Balance Type:	na
Period Type:	duration

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- Definition

The disclosure of detailed information about Value-at-Risk (VaR).

+ References

No definition available.

+ Details

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Namespace Prefix:	bch_
Data Type:	dtr:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

The entire disclosure for use of this index.

+ References

No definition available.

+ Details

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Namespace Prefix:	bch_
Data Type:	dtr:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	bch_RiskManagementAndReportDisclosureAbstract
Namespace Prefix:	bch_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of schedule of credit risk exposure per balance sheet item, including derivatives, detailed by both geographic region and industry sector.

+ References

No definition available.

+ Details

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Namespace Prefix:	bch_
Data Type:	dtr:textBlockItemType
Balance Type:	na
Period Type:	duration

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- Definition

Tabular disclosure of schedule of gross carrying amount of previously modified financial assets for which loss allowances has changed to 12 month expected credit losses.

+ References

No definition available.

+ Details

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Data Type:	dtr:textBlockItemType
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- Definition

Tabular disclosure of net loss, gross loss and recoveries due to operational risk events.

+ References

No definition available.

+ Details

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Namespace Prefix:	bch_
Data Type:	dtr:textBlockItemType
Balance Type:	na
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- Definition

Analysis of the age of financial assets that are past due but not impaired. [Refer: Financial assets]

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Note Expired 2023-01-01
-Name IFRS
-Number 7
-IssueDate 2023-01-01
-Paragraph 37
-Subparagraph a
-URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2017-en-b&anchor=para_37_a&doctype=Standard&book=b
-URIDate 2023-03-23

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Data Type:	dtr-types:textBlockItemType
Balance Type:	na
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- Definition

The disclosure of liquidity risk. [Refer: Liquidity risk [member]]

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Name IAS
-Number 1
-IssueDate 2023-01-01
-Paragraph 10
-Subparagraph e
-URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2023-en-r&anchor=para_10_e&doctype=Standard
-URIDate 2023-03-23

+ Details

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