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INTEREST INCOME | 12 Months Ended
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Dec. 31, 2018
Interest Income |
INTEREST INCOME | NOTE 27 INTEREST INCOME This item refers to interest earned in the period from the financial assets whose return, whether implicitly or explicitly, is determined by applying the effective interest rate method, regardless of the value at fair value, as well as the effect of hedge accounting (see c).
| a) | 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
| b) | 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)
c) 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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- Definition The disclosure of interest income and expense. [Refer: Interest income (expense)] + 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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