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Right-of-Use Assets and Lease Liabilities (Tables) | 12 Months Ended
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Dec. 31, 2024
Right-of-Use Assets and Lease Liabilities [Abstract] |
Schedule of Composition of the rights Over Leased Assets | The composition of the rights over leased assets as of December 31, 2024 and 2023 is as follows:
|  | Gross Balance |  |  | Accumulated Depreciation |  |  | Net Balance |
|  | 2024 |  |  | 2023 |  |  | 2024 |  |  | 2023 |  |  | 2024 |  |  | 2023 |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Categories |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings |  |  | 126,655 |  |  |  | 145,849 |  |  |  | (63,657 | ) |  |  | (75,361 | ) |  |  | 62,998 |  |  |  | 70,488 |
Floor space for ATMs |  |  | 36,080 |  |  |  | 33,060 |  |  |  | (9,307 | ) |  |  | (2,669 | ) |  |  | 26,773 |  |  |  | 30,391 |
Improvements to leased properties |  |  | 28,783 |  |  |  | 30,426 |  |  |  | (21,675 | ) |  |  | (22,416 | ) |  |  | 7,108 |  |  |  | 8,010 |
Total |  |  | 191,518 |  |  |  | 209,335 |  |  |  | (94,639 | ) |  |  | (100,446 | ) |  |  | 96,879 |  |  |  | 108,889 |
Schedule of Changes of the Rights Over Leased Assets | The changes of the rights over leased assets as of December 31, 2024 and 2023 is as follows:
|  | 2024 |
|  | Buildings |  |  | Floor space for ATMs |  |  | Improvements to leased properties |  |  | Total |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Gross Balance |  |  |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2024 |  |  | 145,849 |  |  |  | 33,060 |  |  |  | 30,426 |  |  |  | 209,335 |
Additions |  |  | 13,892 |  |  |  | 4,385 |  |  |  | 872 |  |  |  | 19,149 |
Write-downs |  |  | (33,019 | ) |  |  | (1,197 | ) |  |  | (2,515 | ) |  |  | (36,731 | )
Remeasurement |  |  | (67 | ) |  |  | (168 | ) |  |  | — |  |  |  | (235 | )
Other incremental |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 126,655 |  |  |  | 36,080 |  |  |  | 28,783 |  |  |  | 191,518 |
Accumulated Depreciation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2024 |  |  | (75,361 | ) |  |  | (2,669 | ) |  |  | (22,416 | ) |  |  | (100,446 | )
Depreciation of the year (*) |  |  | (20,939 | ) |  |  | (7,733 | ) |  |  | (1,135 | ) |  |  | (29,807 | )
Write-downs |  |  | 32,638 |  |  |  | 1,123 |  |  |  | 1,876 |  |  |  | 35,637 |
Other incremental |  |  | 56 |  |  |  | (28 | ) |  |  | — |  |  |  | (23 | )
Total |  |  | (63,657 | ) |  |  | (9,307 | ) |  |  | (21,675 | ) |  |  | (94,639 | )
Balance as of December 31, 2024 |  |  | 62,998 |  |  |  | 26,773 |  |  |  | 7,108 |  |  |  | 96,879 |
| (*) | See Note No.37 Depreciation and Amortization.
|  | 2023 |
|  | Buildings |  |  | Floor space for ATMs |  |  | Improvements to leased properties |  |  | Total |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Gross Balance |  |  |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2023 |  |  | 144,482 |  |  |  | 43,492 |  |  |  | 28,595 |  |  |  | 216,569 |
Additions |  |  | 16,790 |  |  |  | 31,033 |  |  |  | 1,993 |  |  |  | 49,816 |
Write-downs |  |  | (14,935 | ) |  |  | (42,821 | ) |  |  | (162 | ) |  |  | (57,918 | )
Remeasurement |  |  | (488 | ) |  |  | (392 | ) |  |  | — |  |  |  | (880 | )
Other incremental |  |  | — |  |  |  | 1,748 |  |  |  | — |  |  |  | 1,748 |
Total |  |  | 145,849 |  |  |  | 33,060 |  |  |  | 30,426 |  |  |  | 209,335 |
Accumulated Depreciation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2023 |  |  | (64,352 | ) |  |  | (35,735 | ) |  |  | (21,561 | ) |  |  | (121,648 | )
Depreciation of the year (*) |  |  | (21,459 | ) |  |  | (9,736 | ) |  |  | (1,017 | ) |  |  | (32,212 | )
Write-downs |  |  | 10,450 |  |  |  | 42,802 |  |  |  | 162 |  |  |  | 53,414 |
Total |  |  | (75,361 | ) |  |  | (2,669 | ) |  |  | (22,416 | ) |  |  | (100,446 | )
Balance as of December 31, 2023 |  |  | 70,488 |  |  |  | 30,391 |  |  |  | 8,010 |  |  |  | 108,889 |
| (*) | See Note No.37 Depreciation and Amortization.
Schedule of Future Maturities Lease Liabilities | The future maturities (including unearned interest) of the lease liabilities as of December 31, 2024 and 2023:
|  | December 2024
|  | Demand |  |  | Up to 1 month |  |  | Over 1 month and up to 3 months |  |  | Over 3 months and up to 12 months |  |  | Over 1 year and up to 3 years |  |  | Over 3 years and up to 5 years |  |  | Over 5 years |  |  | Total |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Lease associated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings |  |  | — |  |  |  | 1,692 |  |  |  | 3,374 |  |  |  | 14,158 |  |  |  | 23,675 |  |  |  | 14,245 |  |  |  | 10,657 |  |  |  | 67,801 |
ATMs |  |  | — |  |  |  | 699 |  |  |  | 1,396 |  |  |  | 6,228 |  |  |  | 15,353 |  |  |  | 5,532 |  |  |  | 28 |  |  |  | 29,236 |
Total |  |  | — |  |  |  | 2,391 |  |  |  | 4,770 |  |  |  | 20,386 |  |  |  | 39,028 |  |  |  | 19,777 |  |  |  | 10,685 |  |  |  | 97,037 |
|  | December 2023
|  | Demand |  |  | Up to 1 month |  |  | Over 1 month and up to 3 months |  |  | Over 3 months and up to 12 months |  |  | Over 1 year and up to 3 years |  |  | Over 3 years and up to 5 years |  |  | Over 5 years |  |  | Total |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Lease associated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings |  |  | — |  |  |  | 1,737 |  |  |  | 3,429 |  |  |  | 12,412 |  |  |  | 25,178 |  |  |  | 18,205 |  |  |  | 15,945 |  |  |  | 76,906 |
ATMs |  |  | — |  |  |  | 641 |  |  |  | 1,275 |  |  |  | 5,538 |  |  |  | 13,932 |  |  |  | 11,449 |  |  |  | 15 |  |  |  | 32,850 |
Total |  |  | — |  |  |  | 2,378 |  |  |  | 4,704 |  |  |  | 17,950 |  |  |  | 39,110 |  |  |  | 29,654 |  |  |  | 15,960 |  |  |  | 109,756 |
Schedule of Changes of the Obligations for Lease Liabilities | The changes of the obligations for lease liabilities and the flows for the years 2024 and 2023 are as follows:
|  | Total cash flow for the year |
|  | MCh$ |
Lease liability |  |  |
Balances as of January 1, 2023 |  |  | 89,369 |
Liabilities for new lease agreements |  |  | 43,931 |
Interest accrued expenses |  |  | 1,980 |
Payments of capital and interests |  |  | (32,084 | )
Remeasurement |  |  | (880 | )
Derecognized contracts |  |  | (4,714 | )
Readjustments |  |  | 3,878 |
Balances as of December 31, 2023 |  |  | 101,480 |
Liabilities for new lease agreements |  |  | 14,648 |
Interest accrued expenses |  |  | 2,381 |
Payments of capital and interests |  |  | (29,991 | )
Remeasurement |  |  | (235 | )
Derecognized contracts |  |  | (457 | )
Readjustments |  |  | 3,603 |
Balances as of December 31, 2024 |  |  | 91,429 |

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