XML 37 R119.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Loans and Accounts Receivable at Amortised Cost (Details 1) - CLP ($)
$ in Millions
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance $ 30,213,414  
Transfers    
Gross carrying amount, Ending balance 32,671,515 $ 30,213,414
Expected credit losses allowances, Beginning balance 882,414  
Transfers    
Expected credit losses allowances, Ending balance 896,095 882,414
Stage 1 [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 26,913,508  
Transfers    
Gross carrying amount, Ending balance 29,041,636 26,913,508
Expected credit losses allowances, Beginning balance 153,640  
Transfers    
Expected credit losses allowances, Ending balance 133,269 153,640
Stage 2 [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 1,796,790  
Transfers    
Gross carrying amount, Ending balance 1,995,733 1,796,790
Expected credit losses allowances, Beginning balance 125,114  
Transfers    
Expected credit losses allowances, Ending balance 121,261 125,114
Stage 3 [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 1,503,116  
Transfers    
Gross carrying amount, Ending balance 1,634,146 1,503,116
Expected credit losses allowances, Beginning balance 603,660  
Transfers    
Expected credit losses allowances, Ending balance 641,565 603,660
Commercial Loans [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 15,186,144 13,963,093
Transfers    
Transfers to stage 2
Transfers to stage 3
Transfers to stage 3
Transfers to stage 1
Transfers to stage 2
Transfers to stage 1
Net changes on financial assets 712,258 2,305,311
Writte-off (177,849) (128,351)
Foreign exchange adjustments and others 110,456 (953,908)
Gross carrying amount, Ending balance 15,862,325 15,186,144
Expected credit losses allowances, Beginning balance 508,190 [1] 482,713
Transfers    
Transfers to stage 2 58,098 11,930
Transfers to stage 3 13,421 33,513
Transfers to stage 3 64,235 27,863
Transfers to stage 1 (23,389) (3,093)
Transfers to stage 2 (20,997) (6,296)
Transfers to stage 1 (154) (50)
Net changes of the exposure and modifications in the credit risk 87,894 43,974
Writte-off (177,858) (95,949)
Foreign exchange adjustments and others (2,871) 12,197
Expected credit losses allowances, Ending balance 506,569 508,190 [1]
Commercial Loans [Member] | Stage 1 [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 13,312,806  
Transfers    
Gross carrying amount, Ending balance 13,802,623 13,312,806
Expected credit losses allowances, Beginning balance 73,730  
Transfers    
Expected credit losses allowances, Ending balance 57,427 73,730
Commercial Loans [Member] | Stage 2 [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 1,100,255  
Transfers    
Gross carrying amount, Ending balance 1,245,067 1,100,255
Expected credit losses allowances, Beginning balance 55,640  
Transfers    
Expected credit losses allowances, Ending balance 55,944 55,640
Commercial Loans [Member] | Stage 3 [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 773,083  
Transfers    
Gross carrying amount, Ending balance 814,635 773,083
Expected credit losses allowances, Beginning balance 377,432  
Transfers    
Expected credit losses allowances, Ending balance 393,198 377,432
Commercial Loans [Member] | Individual [Member] | Stage 1 [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 9,695,837 9,062,153
Transfers    
Transfers to stage 2 (518,990) (225,062)
Transfers to stage 3 (16,654)
Transfers to stage 3
Transfers to stage 1 158,935 13,199
Transfers to stage 2
Transfers to stage 1
Net changes on financial assets 542,311 1,334,933
Writte-off
Foreign exchange adjustments and others 330,171 (472,732)
Gross carrying amount, Ending balance 10,208,264 9,695,837
Expected credit losses allowances, Beginning balance 30,189 [1] 29,797
Transfers    
Transfers to stage 2 (7,786) (2,719)
Transfers to stage 3 (241)
Transfers to stage 3
Transfers to stage 1 1,576 167
Transfers to stage 2
Transfers to stage 1
Net changes of the exposure and modifications in the credit risk (6,948) 4,105
Writte-off
Foreign exchange adjustments and others 4,508 (920)
Expected credit losses allowances, Ending balance 21,539 30,189 [1]
Commercial Loans [Member] | Individual [Member] | Stage 2 [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 867,783 630,515
Transfers    
Transfers to stage 2 518,990 225,062
Transfers to stage 3
Transfers to stage 3 (132,136) (59,688)
Transfers to stage 1 (158,935) (13,199)
Transfers to stage 2 11,229 4,451
Transfers to stage 1
Net changes on financial assets (119,884) 138,436
Writte-off
Foreign exchange adjustments and others 17,920 (57,794)
Gross carrying amount, Ending balance 1,004,967 867,783
Expected credit losses allowances, Beginning balance 31,066 [1] 28,282
Transfers    
Transfers to stage 2 17,237 8,005
Transfers to stage 3
Transfers to stage 3 (8,567) (5,541)
Transfers to stage 1 (7,525) (411)
Transfers to stage 2 685 330
Transfers to stage 1
Net changes of the exposure and modifications in the credit risk (3,151) 2,740
Writte-off
Foreign exchange adjustments and others 644 (2,339)
Expected credit losses allowances, Ending balance 30,389 31,066 [1]
Commercial Loans [Member] | Individual [Member] | Stage 3 [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 386,929 372,744
Transfers    
Transfers to stage 2
Transfers to stage 3 16,654
Transfers to stage 3 132,136 59,688
Transfers to stage 1
Transfers to stage 2 (11,229) (4,451)
Transfers to stage 1
Net changes on financial assets (24,788) 4,240
Writte-off (83,845) (53,921)
Foreign exchange adjustments and others 1,804 (8,025)
Gross carrying amount, Ending balance 401,007 386,929
Expected credit losses allowances, Beginning balance 198,115 [1] 191,397
Transfers    
Transfers to stage 2
Transfers to stage 3 6,612
Transfers to stage 3 44,203 22,705
Transfers to stage 1
Transfers to stage 2 (3,867) (1,704)
Transfers to stage 1
Net changes of the exposure and modifications in the credit risk 41,365 1,251
Writte-off (83,844) (37,439)
Foreign exchange adjustments and others 193 15,293
Expected credit losses allowances, Ending balance 196,165 198,115 [1]
Commercial Loans [Member] | Collective [Member] | Stage 1 [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 3,644,407 3,338,916
Transfers    
Transfers to stage 2 (347,678) (53,020)
Transfers to stage 3 (41,696) (67,886)
Transfers to stage 3
Transfers to stage 1 159,009 52,755
Transfers to stage 2
Transfers to stage 1 1,134 718
Net changes on financial assets 415,524 708,531
Writte-off
Foreign exchange adjustments and others (236,341) (363,045)
Gross carrying amount, Ending balance 3,594,359 3,644,407
Expected credit losses allowances, Beginning balance 44,104 [1] 50,014
Transfers    
Transfers to stage 2 (20,058) (1,525)
Transfers to stage 3 (2,666) (2,697)
Transfers to stage 3
Transfers to stage 1 4,838 553
Transfers to stage 2  
Transfers to stage 1 242 22
Net changes of the exposure and modifications in the credit risk (3,395) 3,770
Writte-off
Foreign exchange adjustments and others (4,617) (6,646)
Expected credit losses allowances, Ending balance 35,888 44,104 [1]
Commercial Loans [Member] | Collective [Member] | Stage 2 [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 235,239 208,018
Transfers    
Transfers to stage 2 347,678 53,020
Transfers to stage 3
Transfers to stage 3 (230,125) (40,853)
Transfers to stage 1 (159,009) (52,755)
Transfers to stage 2 120,293 36,247
Transfers to stage 1
Net changes on financial assets (68,960) 48,323
Writte-off
Foreign exchange adjustments and others (5,016) (19,528)
Gross carrying amount, Ending balance 240,100 235,239
Expected credit losses allowances, Beginning balance 24,945 [1] 23,041
Transfers    
Transfers to stage 2 68,705 8,169
Transfers to stage 3
Transfers to stage 3 (42,601) (6,776)
Transfers to stage 1 (22,278) (3,402)
Transfers to stage 2 29,667 1,854
Transfers to stage 1
Net changes of the exposure and modifications in the credit risk (12,533) 2,855
Writte-off  
Foreign exchange adjustments and others (350) (1,167)
Expected credit losses allowances, Ending balance 25,555 24,945 [1]
Commercial Loans [Member] | Collective [Member] | Stage 3 [Member]    
Disclosure of financial assets [line items]    
Gross carrying amount, Beginning balance 387,265 350,747
Transfers    
Transfers to stage 2
Transfers to stage 3 41,696 67,886
Transfers to stage 3 230,125 40,853
Transfers to stage 1  
Transfers to stage 2 (120,293) (36,247)
Transfers to stage 1 (1,134) (718)
Net changes on financial assets (31,945) 70,848
Writte-off (94,004) (74,430)
Foreign exchange adjustments and others 1,918 (32,784)
Gross carrying amount, Ending balance 413,628 387,265
Expected credit losses allowances, Beginning balance 179,771 [1] 160,182
Transfers    
Transfers to stage 2
Transfers to stage 3 16,087 29,839
Transfers to stage 3 71,200 17,475
Transfers to stage 1  
Transfers to stage 2 (27,482) (6,776)
Transfers to stage 1 (242) (72)
Net changes of the exposure and modifications in the credit risk 54,962 29,253
Writte-off (94,014) (58,510)
Foreign exchange adjustments and others (3,249) 7,926
Expected credit losses allowances, Ending balance $ 197,033 $ 179,771 [1]
[1] Include loans and ECL balances of the acquired Santander Consumer Chile S.A.