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EXPECTED CREDIT LOSSESS ALLOWANCE | 12 Months Ended
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Dec. 31, 2018
Expected Credit Lossess Allowance |
EXPECTED CREDIT LOSSESS ALLOWANCE | NOTE 31 EXPECTED CREDIT LOSSESS ALLOWANCE
| I. | Expected credit losses (ECL) allowance – under IFRS 9
As of December 31, 2018, under the new credit risk model established by IFRS 9 the ECL allowance by stage recorded at income statements is as follows:
For the year ended December 31, 2018 | Stage1 | Stage2 | Stage3 | TOTAL
| Individual | Collective | Individual | Collective | Individual | Collective
| MCh$ | MCh$ | MCh$ | MCh$ | MCh$ | MCh$ | MCh$
Commercial loans | 79 | 5,652 | (2,891) | (1,533) | (96,131) | (47,959) | (142,782)
Mortgage loans | - | 5,583 | - | 5,161 | - | 3,375 | 14,119
Consumer loans | - | 1,861 | - | 192 | - | (191,304) | (189,251)
Contingent loans | (90) | 1,214 | 11 | (68) | (225) | (834) | 9
Loans and account receivable at FVOCI | 363 | - | 68 | - | - | - | 431
Debt at FVOCI | - | 66 | - | - | - | - | 66
Total | 353 | 14,376 | (2,811) | 3,752 | (96,356) | (236,722) | (317,408)
| II. | Provision for loan losses – under IAS 39
| Loans and accounts receivable from customers |  |  | Total
For the year ended December 31, 2017 | Interbank loans Individual | Commercial loans | Mortgage loans | Consumer loans | Contingent loans
| Individual | Group | Group | Group | Individual | Group
| MCh$ | MCh$ | MCh$ | MCh$ | MCh$ | MCh$ | MCh$ | MCh$
Charged-off individually significant loans | - | (15,699) | - | - | - | - | - | (15,699)
Provisions established | (307) | (64,658) | (148,681) | (43,621) | (252,038) | (3,117) | (4,224) | (516,646)
Total provisions and charge-offs | (307) | (80,357) | (148,681) | (43,621) | (252,038) | (3,117) | (4,224) | (532,345)
Provisions released | 3,970 | 55,925 | 20,491 | 11,427 | 46,089 | 7,001 | 1,660 | 146,563
Recovery of loans previously charged off | - | 11,114 | 21,499 | 10,942 | 39,972 | - | - | 83,527
Net charge to income | 3,663 | (13,318) | (106,691) | (21,252) | (165,977) | 3,884 | (2,564) | (302,255)
| Loans and accounts receivable from customers |  |  | Total
For the year ended December 31, 2016 | Interbank loans Individual | Commercial loans | Mortgage loans | Consumer loans | Contingent loans
| Individual | Group | Group | Group | Individual | Group
| MCh$ | MCh$ | MCh$ | MCh$ | MCh$ | MCh$ | MCh$ | MCh$
Charged-off individually significant loans | - | (11,222) | - | - | - | - | - | (11,222)
Provisions established | (3,052) | (61,002) | (133,855) | (50,892) | (280,544) | (11,986) | (2,909) | (544,240)
Total provisions and charge-offs | (3,052) | (72,224) | (133,855) | (50,892) | (280,544) | (11,986) | (2,909) | (555,462)
Provisions released | 83 | 43,183 | 14,432 | 34,246 | 30,790 | 6,963 | 5,384 | 135,081
Recovery of loans previously charged off | - | 11,142 | 16,043 | 10,041 | 41,072 | - | - | 78,298
Net charge to income | (2,969) | (17,899) | (103,380) | (6,605) | (208,682) | (5,023) | 2,475 | (342,083)
b) The detail of Charge-off of individually significant loans, is as follows:
|  | For the years ended December 31,
|  | 2017 |  | 2016
|  | MCh$ |  | MCh$
Charge-off of loans |  | 51,978 |  | 47,605
Provision applied |  | (36,279) |  | (36,383)
Net charge offs of individually significant loans |  | 15,699 |  | 11,222

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- Definition The disclosure of the allowance relating to impairments of financial assets due to credit losses. [Refer: Financial assets] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2018-01-01 -Paragraph 10 -Subparagraph e -URI http://eifrs.ifrs.org/eifrs/XBRL?type=IAS&num=1&date=2018-03-01&anchor=para_10_e&doctype=Standard -URIDate 2018-03-16 + Details
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