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Administrative Expenses | 12 Months Ended
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Dec. 31, 2024
Administrative Expenses [Abstract] |
Administrative expenses |
| 36. | Administrative expenses:
This item is composed as follows:
|  | 2024 |  |  | 2023 |  |  | 2022 |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |
General administrative expenses |  |  |  |  |  |  |  |  |
Information technology and communications |  |  | 157,216 |  |  |  | 142,731 |  |  |  | 124,003 |
Maintenance and repair of property and equipment |  |  | 51,606 |  |  |  | 49,699 |  |  |  | 42,313 |
Surveillance and securities transport services |  |  | 11,651 |  |  |  | 11,265 |  |  |  | 12,996 |
External advisory services and professional services fees |  |  | 11,252 |  |  |  | 10,326 |  |  |  | 13,785 |
Office supplies |  |  | 8,497 |  |  |  | 8,724 |  |  |  | 9,360 |
External service of financial information and fraud prevention |  |  | 8,129 |  |  |  | 7,483 |  |  |  | 6,543 |
Legal and notary expenses |  |  | 5,799 |  |  |  | 5,433 |  |  |  | 3,733 |
Postal box, mail, postage and home delivery services |  |  | 6,325 |  |  |  | 4,839 |  |  |  | 4,372 |
Energy, heating and other utilities |  |  | 6,132 |  |  |  | 5,513 |  |  |  | 5,307 |
Other expenses of obligations for lease contracts |  |  | 4,200 |  |  |  | 4,431 |  |  |  | 3,731 |
External service of custody of documentation |  |  | 4,664 |  |  |  | 3,943 |  |  |  | 3,846 |
Insurance premiums except to cover operational risk events |  |  | 4,142 |  |  |  | 4,167 |  |  |  | 3,380 |
Expenses for short-term leases |  |  | 3,658 |  |  |  | 3,860 |  |  |  | 2,782 |
Donations |  |  | 3,249 |  |  |  | 3,251 |  |  |  | 1,666 |
Representation and travel expenses |  |  | 3,191 |  |  |  | 3,249 |  |  |  | 2,449 |
Card embossing service |  |  | 2,084 |  |  |  | 1,756 |  |  |  | 1,274 |
Fees for other technical reports |  |  | 1,063 |  |  |  | 1,034 |  |  |  | 799 |
Fees for review and audit of the financial statements by the external auditor |  |  | 873 |  |  |  | 750 |  |  |  | 839 |
Expenses for leases low value |  |  | 549 |  |  |  | 509 |  |  |  | 491 |
Title classification fees |  |  | 241 |  |  |  | 169 |  |  |  | — |
Fines applied by other agencies |  |  | 132 |  |  |  | 108 |  |  |  | 211 |
Other general administrative expenses |  |  | 9,393 |  |  |  | 9,354 |  |  |  | 7,811 |
Outsource services |  |  |  |  |  |  |  |  |  |  |  |
Technological developments expenses, certification and technology testing |  |  | 22,323 |  |  |  | 25,437 |  |  |  | 19,627 |
Data processing |  |  | 11,133 |  |  |  | 11,907 |  |  |  | 8,385 |
External credit evaluation service |  |  | 5,820 |  |  |  | 5,729 |  |  |  | 5,208 |
External collection service |  |  | 4,841 |  |  |  | 4,414 |  |  |  | — |
External human resources administration services and supply of external personnel |  |  | 1,820 |  |  |  | 1,724 |  |  |  | 1,438 |
Call Center service for sales, marketing, quality control customer service |  |  | 1,695 |  |  |  | 2,192 |  |  |  | 1,586 |
Other outsource services |  |  | 1,144 |  |  |  | 1,250 |  |  |  | 1,482 |
External cleaning service, casino, custody of files and documents, storage of furniture and equipment |  |  | 473 |  |  |  | 390 |  |  |  | 358 |
Board expenses |  |  |  |  |  |  |  |  |  |  |  |
Board of Directors Compensation |  |  | 3,500 |  |  |  | 3,347 |  |  |  | 3,095 |
Other Board expenses |  |  | 78 |  |  |  | 111 |  |  |  | 102 |
Marketing |  |  | 33,948 |  |  |  | 39,617 |  |  |  | 35,280 |
Taxes, contributions and other legal charges |  |  |  |  |  |  |  |  |  |  |  |
Contribution to the banking regulator |  |  | 15,248 |  |  |  | 14,785 |  |  |  | 13,566 |
Real estate contributions |  |  | 6,020 |  |  |  | 5,521 |  |  |  | 4,727 |
Taxes other than income tax |  |  | 2,803 |  |  |  | 2,530 |  |  |  | 2,207 |
Municipal patents |  |  | 1,752 |  |  |  | 1,647 |  |  |  | 1,568 |
Other legal charges |  |  | 52 |  |  |  | 60 |  |  |  | 47 |
Total |  |  | 416,696 |  |  |  | 403,255 |  |  |  | 350,367 |

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