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v3.25.1

Contingencies and Commitments (Tables) | 12 Months Ended
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Dec. 31, 2024
Contingencies and Commitments [Abstract] |
Schedule of Contingent Loans and Other Liabilities | The Bank and its subsidiaries have exposures associated with contingent loans and other liabilities according to the following detail:
|  | 2024 |  |  | 2023 |
|  | MCh$ |  |  | MCh$ |
Guarantees and sureties |  |  |  |  |  |
Guarantees and sureties in chilean currency |  |  | — |  |  |  | — |
Guarantees and sureties in foreign currency |  |  | 336,737 |  |  |  | 351,531 |
Letters of credit for goods circulation operations |  |  | 442,216 |  |  |  | 350,604 |
Debt purchase commitments in local currency abroad |  |  | — |  |  |  | — |
Transactions related to contingent events |  |  |  |  |  |  |  |
Transactions related to contingent events in chilean currency |  |  | 2,544,288 |  |  |  | 2,209,109 |
Transactions related to contingent events in foreign currency |  |  | 580,338 |  |  |  | 431,188 |
Undrawn credit lines with immediate termination |  |  |  |  |  |  |  |
Balance of lines of credit and agreed overdraft in current account – commercial loans |  |  | 1,642,163 |  |  |  | 1,581,711 |
Balance of lines of credit on credit card – commercial loans |  |  | 359,638 |  |  |  | 317,560 |
Balance of lines of credit and agreed overdraft in current account – consumer loans |  |  | 1,497,076 |  |  |  | 1,476,241 |
Balance of lines of credit on credit card – consumer loans |  |  | 7,626,423 |  |  |  | 6,708,946 |
Balance of lines of credit and agreed overdraft in current account – due from banks loans |  |  | — |  |  |  | — |
Undrawn credit lines |  |  | — |  |  |  | — |
Other commitments |  |  |  |  |  |  |  |
Credits for higher studies Law No. 20,027 (CAE) |  |  | — |  |  |  | — |
Other irrevocable credit commitments |  |  | 51,889 |  |  |  | 120,545 |
Other credit commitments |  |  | — |  |  |  | — |
Total |  |  | 15,080,768 |  |  |  | 13,547,435 |
Responsibilities assumed to meet customer needs:
|  | 2024 |  |  | 2023 |
|  | MCh$ |  |  | MCh$ |
Transactions on behalf of third parties |  |  |  |  |  |
Collections |  |  | 214,446 |  |  |  | 176,146 |
Placement or sale of financial instruments |  |  | — |  |  |  | — |
Transferred financial assets managed by the bank |  |  | — |  |  |  | — |
Third-party resources managed by the bank |  |  | 1,147,660 |  |  |  | 921,105 |
Subtotal |  |  | 1,362,106 |  |  |  | 1,097,251 |
Securities custody |  |  |  |  |  |  |  |
Securities safekept by a banking subsidiary |  |  | 7,443,549 |  |  |  | 6,267,729 |
Securities safekept by the Bank |  |  | 3,318,810 |  |  |  | 3,133,770 |
Securities safekept deposited in another entity |  |  | 19,509,831 |  |  |  | 17,238,292 |
Securities issued by the bank |  |  | — |  |  |  | — |
Subtotal |  |  | 30,272,190 |  |  |  | 26,639,791 |
Total |  |  | 31,634,296 |  |  |  | 27,737,042 |
Schedule of Estimated Dates of the Respective Legal Contingencies | The estimated end dates of the respective legal contingencies are as follows:
|  | As of December 31, 2024 |
|  | 2025 |  |  | 2026 |  |  | 2027 |  |  | 2028 |  |  | 2029 |  |  | Total |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Legal contingencies |  |  | 1,101 |  |  |  | 491 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,592 |
Schedule of Subsidiary Established a Guarantee in an Insurance Policy |
|  | 2024 |  |  | 2023 |
Guarantees: |  | MCh$ |  |  | MCh$ |
Shares received as collateral for simultaneous operations: |  |  |  |  |  |
Santiago Securities Exchange, Stock Exchange |  |  | 9,171 |  |  |  | 17,070 |
Electronic Chilean Securities Exchange, Stock Exchange |  |  | 32,024 |  |  |  | 11,432 |
Fixed income securities delivered to guarantee CCLV system: |  |  |  |  |  |  |  |
Santiago Securities Exchange, Stock Exchange |  |  | 7,843 |  |  |  | 7,820 |
Fixed income securities as collateral for the Santiago Stock Exchange |  |  | 2,148 |  |  |  | 2,142 |
Shares delivered to guarantee equity lending and short-selling: |  |  |  |  |  |  |  |
Santiago Securities Exchange, Stock Exchange |  |  | 4,744 |  |  |  | 2,350 |
Cash guarantees received for operations with derivatives |  |  | 3,931 |  |  |  | 1,062 |
Cash guarantees for operations with derivatives |  |  | 4,043 |  |  |  | 6,142 |
Equity securities received for operations with derivatives |  |  |  |  |  |  |  |
Electronic Chilean Securities Exchange, Stock Exchange |  |  | 101 |  |  |  | 189 |
Depósito Central de Valores S.A. |  |  | 2,227 |  |  |  | 276 |
Total |  |  | 66,232 |  |  |  | 48,483 |
Schedule of Insurance Policies Contracted | The policies contracted are:
Matter insured |  | Amount Insured (UF) |
Errors and omissions liability policy |  |  | 500 |
Civil responsibility policy |  |  | 60,000 |

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