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Reporting Segments (Tables) | 12 Months Ended
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Dec. 31, 2019
Reporting Segments |
Schedule of reporting segment | Below are the tables showing the Bank's results by reporting segment for the years ended December 31, 2019, 2018 and 2017 in addition to the corresponding balances of loans and accounts receivable from customers:
|  |  |  |  | For the year ended December 31, 2019 |
|  | Loans and accounts receivable at amortised cost (1) |  |  | Net interest income |  |  | Net fee and commission income |  |  | Financial transactions, net (2) |  |  | Expected credit losses |  |  | Support expenses (3) |  |  | Segment's net contribution |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Retail Banking |  |  | 22,926,377 |  |  |  | 960,361 |  |  |  | 230,627 |  |  |  | 28,426 |  |  |  | (279,969 | ) |  |  | (575,511 | ) |  |  | 356,665 |
Middle-market |  |  | 8,093,496 |  |  |  | 298,587 |  |  |  | 38,712 |  |  |  | 13,535 |  |  |  | (38,746 | ) |  |  | (97,054 | ) |  |  | 220,320 |
Global Investment Banking |  |  | 1,603,633 |  |  |  | 98,154 |  |  |  | 29,103 |  |  |  | 94,761 |  |  |  | (224 | ) |  |  | (65,343 | ) |  |  | 156,083 |
Other |  |  | 48,009 |  |  |  | 59,862 |  |  |  | (11,356 | ) |  |  | 64,970 |  |  |  | (4,819 | ) |  |  | (11,953 | ) |  |  | 99,502 |
Total |  |  | 32,671,515 |  |  |  | 1,416,964 |  |  |  | 287,086 |  |  |  | 201,692 |  |  |  | (323,311 | ) |  |  | (749,861 | ) |  |  | 832,570 |
Other operating income |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13,001 |
Other operating expenses and impairment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (52,029 | )
Income from investments in associates and other companies |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,146 |
Income tax expense |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (175,074 | )
Result of continuing operations |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 619,614 |
Result of discontinued operations |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,699 |
Net income for the year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 621,313 |
(1) Corresponds to loans and accounts receivable at amortised cost under IFRS 9, without deducting their allowances for loan losses. (2) Corresponds to the sum of the net income from financial operations and the foreign exchange profit or loss. (3) Corresponds to the sum of personnel salaries and expenses, administrative expenses, depreciation and amortization.
|  |  |  |  | For the year ended December 31, 2018 |
|  | Loans and accounts receivable at amortised cost (1) |  |  | Net interest income |  |  | Net fee and commission income |  |  | Financial transactions, net (2) |  |  | Expected credit losses |  |  | Support expenses (3) |  |  | Segment's net contribution |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Retail Banking |  |  | 20,786,637 |  |  |  | 949,764 |  |  |  | 220,532 |  |  |  | 19,694 |  |  |  | (287,739 | ) |  |  | (553,157 | ) |  |  | 349,094 |
Middle-market |  |  | 7,690,380 |  |  |  | 272,912 |  |  |  | 36,746 |  |  |  | 16,848 |  |  |  | (26,314 | ) |  |  | (92,377 | ) |  |  | 207,815 |
Global Investment Banking |  |  | 1,613,088 |  |  |  | 96,722 |  |  |  | 35,064 |  |  |  | 57,340 |  |  |  | 2,339 |  |  |  | (64,913 | ) |  |  | 126,552 |
Other |  |  | 123,310 |  |  |  | 94,970 |  |  |  | (1,457 | ) |  |  | 11,200 |  |  |  | (5,694 | ) |  |  | (11,486 | ) |  |  | 87,533 |
Total |  |  | 30,213,415 |  |  |  | 1,414,368 |  |  |  | 290,885 |  |  |  | 105,082 |  |  |  | (317,408 | ) |  |  | (721,933 | ) |  |  | 770,994 |
Other operating income |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23,129 |
Other operating expenses and impairment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (32,381 | )
Income from investments in associates and other companies |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,325 |
Income tax expense |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (167,144 | )
Result of continuing operations |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 595,923 |
Result of discontinued operations |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,770 |
Net income for the year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 599,693 |
(1) Corresponds to loans and accounts receivable from customers, without deducting their allowances for loan losses. (2) Corresponds to the sum of the net income from financial operations and the foreign exchange profit or loss. (3) Corresponds to the sum of personnel salaries and expenses, administrative expenses, depreciation and amortization.
|  |  |  |  | For the year ended December 31, 2017 |
|  | Loans and accounts receivable from customers (1) |  |  | Net interest income |  |  | Net fee and commission income |  |  | Financial transactions, net (2) |  |  | Provision for loan losses |  |  | Support expenses (3) |  |  | Segment's net contribution |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Retail Banking |  |  | 19,233,169 |  |  |  | 970,332 |  |  |  | 206,449 |  |  |  | 20,595 |  |  |  | (293,956 | ) |  |  | (534,970 | ) |  |  | 368,450 |
Middle-market |  |  | 6,775,734 |  |  |  | 264,663 |  |  |  | 36,280 |  |  |  | 13,751 |  |  |  | (19,235 | ) |  |  | (91,882 | ) |  |  | 203,577 |
Global Investment Banking |  |  | 1,633,796 |  |  |  | 100,808 |  |  |  | 27,626 |  |  |  | 50,714 |  |  |  | 6,440 |  |  |  | (62,685 | ) |  |  | 122,903 |
Other |  |  | 83,215 |  |  |  | (9,112 | ) |  |  | 8,708 |  |  |  | 44,692 |  |  |  | 4,496 |  |  |  | (15,356 | ) |  |  | 33,428 |
Total |  |  | 27,725,914 |  |  |  | 1,326,691 |  |  |  | 279,063 |  |  |  | 129,752 |  |  |  | (302,255 | ) |  |  | (704,893 | ) |  |  | 728,358 |
Other operating income |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62,016 |
Other operating expenses and impairment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (74,057 | )
Income from investments in associates and other companies |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,144 |
Income tax expense |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (145,031 | )
Result of continuing operations |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 572,430 |
Result of discontinued operations |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,819 |
Net income for the year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 575,249 |
(1) Corresponds to loans and accounts receivable from customers, without deducting their allowances for loan losses. (2) Corresponds to the sum of the net income from financial operations and the foreign exchange profit or loss. (3) Corresponds to the sum of personnel salaries and expenses, administrative expenses, depreciation and amortization.

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