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Information on Regulatory Capital and Capital Adequacy Ratios (Tables)
 12 Months Ended
Dec. 31, 2023
Information on Regulatory Capital and Capital Adequacy Ratios Disclosure [Abstract]  
Schedule of Total Assets, Risk-Weighted Assets and Components of the Effective Equity According To Basel III Information on regulatory capital and capital adequacy indicators is presented below:
 

Total assets, risk-weighted assets and components of the

 

Local and Overall

consolidated

  

Local and Overall

consolidated

 
   effective equity according to Basel III  December 2023   December 2022 
Item No.  Item description  MCh$   MCh$ 
            
1  Total assets according to the statement of financial position   55,792,552    55,255,362 
2  Non-consolidated investment in subsidiaries   —    — 
3  Assets discounted from regulatory capital, other than item 2   168,765    165,833 
4  Derivative credit equivalents   886,789    1,276,512 
4.1  Financial derivative contracts   2,084,441    2,987,106 
5  Contingent loans   2,827,120    2,756,396 
6  Assets generated by the intermediation of financial instruments   —    
 
 
7   = (1-2-3+4-4.1+5-6) Total assets for regulatory purposes   57,253,255    56,135,331 
8.a  Credit risk weighted assets, estimated according to the standard methodology (CRWA)   31,887,173    30,657,020 
8.b  Credit risk weighted assets, estimated according to internal methodologies (CRWA)   —    — 
9  Market risk weighted assets (MRWA)   1,693,317    1,365,367 
10  Operational risk weighted assets (ORWA)   4,110,324    3,630,835 
11.a   = (8.a/8.b+9+10) Risk-weighted assets (RWA)   37,690,814    35,653,222 
11.b   = (8.a/8.b+9+10) Risk-weighted assets, after application of the output floor (RWA)   37,690,814    35,653,222 
12  Owner’s equity   5,237,283    4,858,325 
13  Non-controlling interest   2    2 
14  Goodwill   —    — 
15  Excess minority investments   —    — 
16   = (12+13-14-15) Core Tier 1 Capital (CET1)   5,237,285    4,858,327 
17  Additional deductions to core tier 1 capital, other than item 2   60,992    (18,940)
18   = (16-17-2) Core Tier 1 Capital (CET1)   5,176,293    4,839,387 
19  Voluntary provisions (additional) imputed as additional Tier 1 capital (AT1)   —    178,266 
20  Subordinated bonds imputed as additional tier 1 capital (AT1)   —    — 
21  Preferred shares allocated to additional tier 1 capital (AT1)   —    — 
22  Bonds without a fixed term of maturity imputed to additional tier 1 capital (AT1)   —    — 
23  Discounts applied to AT1   —    — 
24   = (19+20+21+22-23) Additional Tier 1 Capital (AT1)   —    178,266 
25   = (18+24) Tier 1 Capital   5,176,293    5,017,653 
26  Voluntary provisions (additional) imputed as Tier 2 capital (T2)   398,590    383,213 
27  Subordinated bonds imputed as Tier 2 capital (T2)   1,003,701    972,550 
28   = (26+27) Equivalent tier 2 capital (T2)   1,402,291    1,355,763 
29  Discounts applied to T2   —    — 
30   = (28-29) Tier 2 capital (T2)   1,402,291    1,355,763 
31   = (25+30) Effective equity   6,578,584    6,373,416 
32  Additional basic capital required for the constitution of the conservation buffer   706,706    445,669 
33  Additional basic capital required to set up the countercyclical buffer   —    — 
34  Additional basic capital required for banks qualified as systemic   235,569    111,417 
35  Additional capital required for the evaluation of the adequacy of effective equity (Pillar 2)   —    — 

 
Schedule of Capital Adequacy Ratios and Regulatory Compliance According To Basel III
   Local and Overall consolidated   Local and Overall consolidated 
   December 2023   December 2022 
Capital Adequacy Ratios and Regulatory Compliance according to Basel III  %   % 
Leverage Ratio   9.04%   8.62%
Leverage Ratio that the bank must meet, considering the minimum requirements   3%   3%
CET 1 Capital Ratio   13.73%   13.57%
CET 1 Capital Ratio that the bank must meet, considering the minimum requirements   5.13%   4.81%
Capital buffer shortfall   0%   0%
Tier 1 Capital Ratio   13.73%   14.07%
Tier 1 Capital Ratio that the bank must meet, considering the minimum requirements   6%   6%
Total or Regulatory Capital Ratio   17.45%   17.88%
Total or Regulatory Capital Ratio that the bank must meet, considering the minimum requirements   8.63%   8.31%
Total or Regulatory Capital Ratio that the bank must meet, considering the charge for article 35 bis   8%   8%
Total or Regulatory Capital Ratio that the bank must meet, considering the minimum requirements, conservation buffer and countercyclical buffer   10.50%   9.56%
Credit rating   A    A 
Regulatory compliance for Capital Adequacy          
Additional provisions computed in Tier 2 capital (T2) in relation to CRWA   1.25%   1.25%
Subordinated bonds computed as Tier 2 capital (T2) in relation to CET 1 Capital   19.16%   20.02%
Additional Tier 1 Capital (AT1) in relation to CET 1 Capital   0%   3.68%
Voluntary (additional) provisions and subordinated bonds computed as AT1 in relation to RWAs   0%   0.50%