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Information on Regulatory Capital and Capital Adequacy Ratios (Tables) | 12 Months Ended
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Dec. 31, 2024
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 effective equity according to Basel III |  |  |  |  |  |  | Local and Overall consolidated December 2024 |  |  |  | Local and Overall consolidated December 2023 |
Item No. |  | Item description |  |  | Note |  |  |  | MCh$ |  |  |  | MCh$ |
1 |  | Total assets according to the statement of financial position |  |  |  |  |  |  | 52,095,441 |  |  |  | 55,792,552 |
2 |  | Non-consolidated investment in subsidiaries |  |  | a |  |  |  | — |  |  |  | — |
3 |  | Assets discounted from regulatory capital, other than item 2 |  |  | b |  |  |  | 2,544,175 |  |  |  | 2,253,206 |
4 |  | Derivative credit equivalents |  |  | c |  |  |  | 1,056,941 |  |  |  | 886,789 |
5 |  | Contingent loans |  |  | d |  |  |  | 3,104,187 |  |  |  | 2,827,120 |
6 |  | Assets generated by the intermediation of financial instruments |  |  | e |  |  |  | — |  |  |  | — |
7 |  | = (1-2-3+4+5-6) Total assets for regulatory purposes |  |  |  |  |  |  | 53,712,394 |  |  |  | 57,253,255 |
8.a |  | Credit risk weighted assets, estimated according to the standard methodology (CRWA) |  |  | f |  |  |  | 32,704,910 |  |  |  | 31,887,173 |
8.b |  | Credit risk weighted assets, estimated according to internal methodologies (CRWA) |  |  | f |  |  |  | — |  |  |  | — |
9 |  | Market risk weighted assets (MRWA) |  |  | h |  |  |  | 1,309,590 |  |  |  | 1,693,317 |
10 |  | Operational risk weighted assets (ORWA) |  |  | g |  |  |  | 4,339,979 |  |  |  | 4,110,324 |
11.a |  | = (8.a/8.b+9+10) Risk-weighted assets (RWA) |  |  |  |  |  |  | 38,354,479 |  |  |  | 37,690,814 |
11.b |  | = (8.a/8.b+9+10) Risk-weighted assets, after application of the output floor (RWA) |  |  |  |  |  |  | 38,354,479 |  |  |  | 37,690,814 |
12 |  | Owner’s equity |  |  |  |  |  |  | 5,622,999 |  |  |  | 5,237,283 |
13 |  | Non-controlling interest |  |  | i |  |  |  | 2 |  |  |  | 2 |
14 |  | Goodwill |  |  | j |  |  |  | — |  |  |  | — |
15 |  | Excess minority investments |  |  | k |  |  |  | — |  |  |  | — |
16 |  | = (12+13-14-15) Core Tier 1 Capital (CET1) |  |  |  |  |  |  | 5,623,001 |  |  |  | 5,237,285 |
17 |  | Additional deductions to core tier 1 capital, other than item 2 |  |  | l |  |  |  | 111,087 |  |  |  | 60,992 |
18 |  | = (16-17-2) Core Tier 1 Capital (CET1) |  |  |  |  |  |  | 5,511,914 |  |  |  | 5,176,293 |
19 |  | Voluntary provisions (additional) imputed as additional Tier 1 capital (AT1) |  |  | m |  |  |  | — |  |  |  | — |
20 |  | Subordinated bonds imputed as additional tier 1 capital (AT1) |  |  | m |  |  |  | — |  |  |  | — |
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 |  |  | l |  |  |  | — |  |  |  | — |
24 |  | = (19+20+21+22-23) Additional Tier 1 Capital (AT1) |  |  |  |  |  |  | — |  |  |  | — |
25 |  | = (18+24) Tier 1 Capital |  |  |  |  |  |  | 5,511,914 |  |  |  | 5,176,293 |
26 |  | Voluntary provisions (additional) imputed as Tier 2 capital (T2) |  |  | n |  |  |  | 408,811 |  |  |  | 398,590 |
27 |  | Subordinated bonds imputed as Tier 2 capital (T2) |  |  | n |  |  |  | 1,034,567 |  |  |  | 1,003,701 |
28 |  | = (26+27) Equivalent tier 2 capital (T2) |  |  |  |  |  |  | 1,443,378 |  |  |  | 1,402,291 |
29 |  | Discounts applied to T2 |  |  |  |  |  |  | — |  |  |  | — |
30 |  | = (28-29) Tier 2 capital (T2) |  |  |  |  |  |  | 1,443,378 |  |  |  | 1,402,291 |
31 |  | = (25+30) Effective equity |  |  |  |  |  |  | 6,955,292 |  |  |  | 6,578,584 |
32 |  | Additional basic capital required for the constitution of the conservation buffer |  |  | o |  |  |  | 958,862 |  |  |  | 706,706 |
33 |  | Additional basic capital required to set up the countercyclical buffer |  |  | p |  |  |  | 191,772 |  |  |  | — |
34 |  | Additional basic capital required for banks qualified as systemic |  |  | q |  |  |  | 359,573 |  |  |  | 235,569 |
35 |  | Additional capital required for the evaluation of the adequacy of effective equity (Pillar 2) |  |  | r |  |  |  | 47,943 |  |  |  | — |
Schedule of Capital Adequacy Ratios and Regulatory Compliance According To Basel III | Corresponds to the additional capital for the evaluation of the sufficiency of the effective equity (Pillar 2) of the bank, as established in Chapter 21-13 of the RAN.
|  |  |  |  |  |  |  |  | Local and Overall consolidated |  |  |  | Local and Overall consolidated |
No. Item |  | Capital Adequacy Ratios and Regulatory Compliance according to Basel III |  |  | Note |  |  |  | December 2024 % |  |  |  | December 2023 % |
1 |  | Leverage Ratio (T1 I18/T1 I7) |  |  |  |  |  |  | 10.26 | % |  |  | 9.04 | %
1.a |  | Leverage Ratio that the bank must meet, considering the minimum requirements |  |  | a |  |  |  | 3 | % |  |  | 3 | %
2 |  | CET 1 Capital Ratio (T1 I18/T1 I11.b) |  |  |  |  |  |  | 14.37 | % |  |  | 13.73 | %
2.a |  | CET 1 Capital Ratio that the bank must meet, considering the minimum requirements |  |  | a |  |  |  | 5.51 | % |  |  | 5.13 | %
2.b |  | Capital buffer shortfall |  |  | b |  |  |  | — |  |  |  | — |
3 |  | Tier 1 Capital Ratio (T1 I25/T1 I11.b) |  |  |  |  |  |  | 14.37 | % |  |  | 13.73 | %
3.a |  | Tier 1 Capital Ratio that the bank must meet, considering the minimum requirements |  |  | a |  |  |  | 7.03 | % |  |  | 6.63 | %
4 |  | Regulatory Capital Ratio (T1 I31/T1 I11.b) |  |  |  |  |  |  | 18.13 | % |  |  | 17.45 | %
4.a |  | Total or Regulatory Capital Ratio that the bank must meet, considering the minimum requirements |  |  | a |  |  |  | 9.06 | % |  |  | 8.63 | %
4.b |  | Total or Regulatory Capital Ratio that the bank must meet, considering the charge for article 35 bis |  |  | c |  |  |  | N/A |  |  |  | N/A |
4.c |  | Total or Regulatory Capital Ratio that the bank must meet, considering the minimum requirements, conservation buffer and countercyclical buffer |  |  | b |  |  |  | 12.06 | % |  |  | 10.50 | %
5 |  | Credit rating |  |  | d |  |  |  | A |  |  |  | A |
|  | Regulatory compliance for Capital Adequacy |  |  |  |  |  |  |  |  |  |  |  |
6 |  | Additional provisions computed in Tier 2 capital (T2) in relation to CRWA (T1 I26/T1 I8.a) |  |  | e |  |  |  | 1.25 | % |  |  | 1.25 | %
7 |  | Subordinated bonds computed as Tier 2 capital (T2) in relation to CET 1 Capital |  |  | f |  |  |  | 18.40 | % |  |  | 19.16 | %
8 |  | Additional Tier 1 Capital (AT1) in relation to CET 1 Capital (T1 I24/T1 I18) |  |  | g |  |  |  | — |  |  |  | — |
9 |  | Voluntary (additional) provisions and subordinated bonds computed as AT1 in relation to RWAs ((T1 I19+T1 I20)/T1 I11.b) |  |  | h |  |  |  | N/A |  |  |  | N/A |

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