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Interest Income (Tables) | 12 Months Ended
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Dec. 31, 2019
Interest Income [Abstract] |
Schedule of income from interest |
For the years ended December 31, 2019, 2018 and 2017 the income from interest, was attributable to the following items:
|  | For the years ended December 31,
|  | 2019 |  | 2018 |  | 2017
|  | 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 |  |  | 718 |  |  |  | - |  |  |  | - |  |  |  | 718 |  |  |  | 903 |  |  |  | - |  |  |  | - |  |  |  | 903 |  |  |  | 939 |  |  |  | - |  |  |  | - |  |  |  | 939 |
Interbank loans |  |  | 1,263 |  |  |  | - |  |  |  | - |  |  |  | 1,263 |  |  |  | 897 |  |  |  | - |  |  |  | - |  |  |  | 897 |  |  |  | 969 |  |  |  | - |  |  |  | - |  |  |  | 969 |
Commercial loans |  |  | 780,284 |  |  |  | 160,462 |  |  |  | 16,478 |  |  |  | 957,224 |  |  |  | 771,405 |  |  |  | 153,851 |  |  |  | 11,008 |  |  |  | 936,264 |  |  |  | 752,013 |  |  |  | 85,389 |  |  |  | 10,525 |  |  |  | 847,927 |
Mortgage loans |  |  | 349,663 |  |  |  | 283,820 |  |  |  | 455 |  |  |  | 633,938 |  |  |  | 330,055 |  |  |  | 266,691 |  |  |  | 909 |  |  |  | 597,655 |  |  |  | 320,041 |  |  |  | 149,303 |  |  |  | 414 |  |  |  | 469,758 |
Consumer loans |  |  | 593,705 |  |  |  | 384 |  |  |  | 8,107 |  |  |  | 602,196 |  |  |  | 579,929 |  |  |  | 439 |  |  |  | 6,166 |  |  |  | 586,534 |  |  |  | 612,932 |  |  |  | 363 |  |  |  | 4,738 |  |  |  | 618,033 |
Investment instruments |  |  | 71,150 |  |  |  | 26,169 |  |  |  | - |  |  |  | 97,319 |  |  |  | 75,423 |  |  |  | 24,790 |  |  |  | - |  |  |  | 100,213 |  |  |  | 74,000 |  |  |  | 5,797 |  |  |  | - |  |  |  | 79,797 |
Other interest income |  |  | 18,387 |  |  |  | 3,592 |  |  |  | - |  |  |  | 21,979 |  |  |  | 16,644 |  |  |  | 4,013 |  |  |  | - |  |  |  | 20,657 |  |  |  | 12,172 |  |  |  | 1,538 |  |  |  | - |  |  |  | 13,710 |
Interest income not including income from hedge accounting |  |  | 1,815,170 |  |  |  | 474,427 |  |  |  | 25,040 |  |  |  | 2,314,637 |  |  |  | 1,775,256 |  |  |  | 449,784 |  |  |  | 18,083 |  |  |  | 2,243,123 |  |  |  | 1,773,066 |  |  |  | 242,390 |  |  |  | 15,677 |  |  |  | 2,031,133 |
Schedule of interest expense |
| For the years ended December 31, 2019, 2018 and 2017, the expense from interest expense, excluding expense from hedge accounting, is as follows:
|  | For the years ended December 31,
|  | 2019 |  | 2018 |  | 2017
|  | Interest |  | Inflation adjustments |  | Total |  | Interest |  | Inflation adjustments |  | Total |  | Interest |  | Inflation adjustments |  | Total
Items |  | MCh$ |  | MCh$ |  | MCh$ |  | MCh$ |  | MCh$ |  | MCh$ |  | MCh$ |  | MCh$ |  | MCh$
Demand deposits |  |  | (14,018 | ) |  |  | (1,508 | ) |  |  | (15,526 | ) |  |  | (14,914 | ) |  |  | (1,371 | ) |  |  | (16,285 | ) |  |  | (13,851 | ) |  |  | (695 | ) |  |  | (14,546 | )
Repurchase agreements |  |  | (9,710 | ) |  |  | - |  |  |  | (9,710 | ) |  |  | (6,439 | ) |  |  | - |  |  |  | (6,439 | ) |  |  | (6,514 | ) |  |  | - |  |  |  | (6,514 | )
Time deposits and liabilities |  |  | (335,307 | ) |  |  | (27,172 | ) |  |  | (362,479 | ) |  |  | (317,061 | ) |  |  | (35,284 | ) |  |  | (352,345 | ) |  |  | (341,821 | ) |  |  | (20,509 | ) |  |  | (362,330 | )
Interbank loans |  |  | (50,354 | ) |  |  | - |  |  |  | (50,354 | ) |  |  | (39,971 | ) |  |  | - |  |  |  | (39,971 | ) |  |  | (26,805 | ) |  |  | - |  |  |  | (26,805 | )
Issued debt instruments |  |  | (250,512 | ) |  |  | (145,487 | ) |  |  | (395,999 | ) |  |  | (241,455 | ) |  |  | (133,227 | ) |  |  | (374,682 | ) |  |  | (220,027 | ) |  |  | (76,170 | ) |  |  | (296,197 | )
Other financial liabilities |  |  | (1,310 | ) |  |  | (33 | ) |  |  | (1,343 | ) |  |  | (2,698 | ) |  |  | (110 | ) |  |  | (2,808 | ) |  |  | (2,946 | ) |  |  | (303 | ) |  |  | (3,249 | )
Lease contracts |  |  | (2,965 | ) |  |  | - |  |  |  | (2,965 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other interest expense |  |  | (16,651 | ) |  |  | (11,300 | ) |  |  | (27,951 | ) |  |  | (6,929 | ) |  |  | (10,497 | ) |  |  | (17,426 | ) |  |  | (5,236 | ) |  |  | (4,973 | ) |  |  | (10,209 | )
Interest expense not including expenses from hedge accounting |  |  | (680,827 | ) |  |  | (185,500 | ) |  |  | (866,327 | ) |  |  | (629,467 | ) |  |  | (180,489 | ) |  |  | (809,956 | ) |  |  | (617,200 | ) |  |  | (102,650 | ) |  |  | (719,850 | )
Schedule of income and expense from interest |
For the years ended December 31, 2019, 2018 and 2017, the income and expense from interest is as follows:
|  | For the years ended December 31, |
|  | 2019 |  |  | 2018 |  |  | 2017 |
Items |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Interest income not including income from hedge accounting |  |  | 2,314,637 |  |  |  | 2,243,123 |  |  |  | 2,031,133 |
Interest expense not including expense from hedge accounting |  |  | (866,327 | ) |  |  | (809,956 | ) |  |  | (719,850 | )
Net Interest income (expense) from hedge accounting |  |  | 1,448,310 |  |  |  | 1,433,167 |  |  |  | 1,311,283 |
Hedge accounting (net) |  |  | (31,346 | ) |  |  | (18,799 | ) |  |  | 15,408 |
Total net interest income |  |  | 1,416,964 |  |  |  | 1,414,368 |  |  |  | 1,326,691 |

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