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INTEREST INCOME (Tables) | 12 Months Ended
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Dec. 31, 2018
Interest Income |
Schedule of income from interest |
For the years ended December 31, 2018, 2017 and 2016 the income from interest, was attributable to the following items:
| For the years ended December 31,
| 2018 |  |  | 2017 |  | 2016
| Interest | Inflation adjustments | Prepaid fees | Total |  | Interest | Inflation adjustments | Prepaid fees | Total |  | Interest | Inflation adjustments | Prepaid fees | Total
Items | MCh$ | MCh$ | MCh$ | MCh$ |  | MCh$ | MCh$ | MCh$ | MCh$ |  | MCh$ | MCh$ | MCh$ | MCh$
Resale agreements | 903 | - | - | 903 |  | 939 | - | - | 939 |  | 1,488 | - | - | 1,488
Interbank loans | 897 | - | - | 897 |  | 969 | - | - | 969 |  | 295 | - | - | 295
Commercial loans | 771,405 | 153,851 | 11,008 | 936,264 |  | 752,013 | 85,389 | 10,525 | 847,927 |  | 742,432 | 130,904 | 7,659 | 880,995
Mortgage loans | 330,055 | 266,691 | 909 | 597,655 |  | 320,041 | 149,303 | 414 | 469,758 |  | 304,116 | 228,081 | 7,012 | 539,209
Consumer loans | 579,929 | 439 | 6,166 | 586,534 |  | 612,932 | 363 | 4,738 | 618,033 |  | 604,152 | 660 | 4,318 | 609,130
Investment instruments | 75,423 | 24,790 | - | 100,213 |  | 74,000 | 5,797 | - | 79,797 |  | 75,808 | 2,916 | - | 78,724
Other interest income | 16,644 | 4,013 | - | 20,657 |  | 12,172 | 1,538 | - | 13,710 |  | 11,136 | 2,445 | - | 13,581
Interest income not including income from hedge accounting | 1,775,256 | 449,784 | 18,083 | 2,243,123 |  | 1,773,066 | 242,390 | 15,677 | 2,031,133 |  | 1,739,427 | 365,006 | 18,989 | 2,123,422
Schedule of interest expense |
For the years ended December 31, 2018, 2017 and 2016, the expense from interest expense, excluding expense from hedge accounting, is as follows:
| For the years ended December 31,
| 2018 |  | 2017 |  | 2016
| Interest | Inflation adjustments | Total |  | Interest | Inflation adjustments | Total |  | Interest | Inflation adjustments | Total
Items | MCh$ | MCh$ | MCh$ |  | MCh$ | MCh$ | MCh$ |  | MCh$ | MCh$ | MCh$
Demand deposits | (14,914) | (1,371) | (16,285) |  | (13,851) | (695) | (14,546) |  | (16,003) | (1,043) | (17,046)
Repurchase agreements | (6,439) | - | (6,439) |  | (6,514) | - | (6,514) |  | (2,822) | - | (2,822)
Time deposits and liabilities | (317,061) | (35,284) | (352,345) |  | (341,821) | (20,509) | (362,330) |  | (399,720) | (38,946) | (438,666)
Interbank loans | (39,971) | - | (39,971) |  | (26,805) | - | (26,805) |  | (19,803) | - | (19,803)
Issued debt instruments | (241,455) | (133,227) | (374,682) |  | (220,027) | (76,170) | (296,197) |  | (197,973) | (105,452) | (303,425)
Other financial liabilities | (2,698) | (110) | (2,808) |  | (2,946) | (303) | (3,249) |  | (3,008) | (781) | (3,789)
Other interest expense | (6,929) | (10,497) | (17,426) |  | (5,236) | (4,973) | (10,209) |  | (5,211) | (8,874) | (14,085)
Interest expense not including expenses from hedge accounting | (629,467) | (180,489) | (809,956) |  | (617,200) | (102,650) | (719,850) |  | (644,540) | (155,096) | (799,636)
Schedule of income and expense from interest | For the years ended December 31, 2018, 2017 and 2016, the income and expense from interest is as follows:
| For the years ended December 31,
| 2018 |  | 2017 |  | 2016
Items | MCh$ |  | MCh$ |  | MCh$
Interest income not including income from hedge accounting | 2,243,123 |  | 2,031,133 |  | 2,123,422
Interest expense not including expense from hedge accounting | (809,956) |  | (719,850) |  | (799,636)
Net Interest income (expense) from hedge accounting | 1,433,167 |  | 1,311,283 |  | 1,323,786
Hedge accounting (net) | (18,799) |  | 15,408 |  | (42,420)
Total net interest income | 1,414,368 |  | 1,326,691 |  | 1,281,366

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