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Maturity of Financial Assets and Liabilities

12 Months Ended

Dec. 31, 2019

Maturity of Financial Assets and Liabilities [Abstract]

MATURITY OF FINANCIAL ASSETS AND LIABILITIES

NOTE 20

MATURITY OF FINANCIAL ASSETS AND LIABILITIES

As of December 31, 2019 and 2018, the detail of the maturities of assets and liabilities is as follows:

As of December 31, 2019	Demand		Up to 1 month		Between 1 and 3 months		Between 3 and 12 months		Subtotal up to 1 year		Between 1 and 3 years		Between 3 and 5 years		More than 5 years		Subtotal More than 1 year		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$

Financial assets
Cash and deposits in banks		3,554,520		-		-		-		3,554,520		-		-		-		-		3,554,520
Cash items in process of collection		355,062		-		-		-		355,062		-		-		-		-		355,062
Financial assets held for trading		-		38,644		-		645		39,289		181,705		37,659		11,551		230,915		270,204
Investments under resale agreements		-		-		-		-		-		-		-		-		-		-
Financial derivative contracts		-		371,775		400,196		1,543,446		2,315,417		1,383,493		1,346,329		3,103,369		5,833,191		8,148,608
Loans and accounts receivables at amortised cost (*)		296,461		2,963,578		2,400,909		5,511,374		11,172,322		5,706,433		4,093,147		11,699,613		21,499,193		32,671,515
Loans and account receivable at fvoci (**)		-		-		-		5,953		5,953		-		-		60,213		60,213		66,166
Debt instruments at fvoci		-		1,131,500		3,752		52,130		1,187,382		508,596		725,419		1,588,875		2,822,890		4,010,272
Equity instruments at fvoci		-		-		-		-		-		-		-		482		482		482
Guarantee deposits (margin accounts)		314,616		-		-		-		314,616		-		-		-		-		314,616
Total financial assets		4,520,659		4,505,497		2,804,857		7,113,548		18,944,561		7,780,227		6,202,554		16,464,103		30,446,884		49,391,445

Financial liabilities
Deposits and other demand liabilities		10,297,432		-		-		-		10,297,432		-		-		-		-		10,297,432
Cash items in process of being cleared		198,248		-		-		-		198,248		-		-		-		-		198,248
Obligations under repurchase agreements		-		380,055		-		-		380,055		-		-		-		-		380,055
Time deposits and other time liabilities		142,273		5,184,567		4,905,414		2,417,703		12,649,957		357,856		163,121		21,883		542,860		13,192,817
Financial derivative contracts		-		422,749		427,825		951,684		1,802,258		1,253,280		1,180,948		3,154,168		5,588,396		7,390,654
Interbank borrowings		94		363,560		624,167		1,141,824		2,129,645		387,936		2,237		-		390,173		2,519,818
Issued debt instruments		-		285,159		759,519		1,044,674		2,089,352		2,394,850		2,042,292		2,974,229		7,411,371		9,500,723
Lease liabilities		-		-		-		26,061		26,061		45,978		36,393		50,062		132,433		158,494
Other financial liabilities		161,021		5,155		30,969		28,888		226,033		83		99		143		325		226,358
Guarantees received (margin accounts)		994,714		-		-		-		994,714		-		-		-		-		994,714
Total financial liabilities		11,793,782		6,641,245		6,747,894		5,610,834		30,793,755		4,439,983		3,425,090		6,200,485		14,065,558		44,859,313

(*)	Loans and accounts receivables at amortised cost are presented on a gross basis, the amount of allowance is Ch$896,095 million.

(**)	Loans and accounts receivables at fvoci are presented on a gross basis, the amount of allowance is Ch$101 million.

As of December 31, 2018	Demand		Up to 1 month		Between 1 and 3 months		Between 3 and 12 months		Subtotal up to 1 year		Between 1 and 3 years		Between 3 and 5 years		More than 5 years		Subtotal More than 1 year		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$

Financial assets
Cash and deposits in banks		2,065,411		-		-		-		2,065,411		-		-		-		-		2,065,411
Cash items in process of collection		353,757		-		-		-		353,757		-		-		-		-		353,757
Financial assets held for trading		-		1,064		-		11,642		12,706		16,331		20,080		27,924		64,335		77,041
Investments under resale agreements		-		-		-		-		-		-		-		-		-		-
Financial derivative contracts		-		111,268		128,024		543,722		783,014		723,622		552,133		1,041,866		2,317,621		3,100,635
Loans and accounts receivables at amortised cost (*)		238,213		3,295,003		2,323,442		4,880,726		10,737,384		5,474,289		3,236,349		10,765,393		19,476,031		30,213,415
Loans and account receivable at fvoci (**)		-		-		-		25,294		25,294		4,949		-		38,451		43,400		68,694
Debt instruments at fvoci		-		2,391,329		-		1		2,391,330		86		-		2,907		2,993		2,394,323
Equity instruments at fvoci		-		-		-		-		-		-		-		481		483		483
Guarantee deposits (margin accounts)		170,232		-		-		-		170,232		-		-		-		-		170,232
Total financial assets		2,827,613		5,798,664		2,451,466		5,461,385		16,539,128		6,219,277		3,808,562		11,877,024		21,904,863		38,443,991

Financial liabilities
Deposits and other demand liabilities		8,741,417		-		-		-		8,741,417		-		-		-		-		8,741,417
Cash items in process of being cleared		163,043		-		-		-		163,043		-		-		-		-		163,043
Obligations under repurchase agreements		-		48,545		-		-		48,545		-		-		-		-		48,545
Time deposits and other time liabilities		122,974		5,248,418		4,108,556		3,326,199		12,806,147		191,547		6,137		63,988		261,672		13,067,819
Financial derivative contracts		-		131,378		120,361		349,551		601,290		495,789		471,185		949,464		1,916,438		2,517,728
Interbank borrowings		39,378		16,310		404,575		1,188,692		1,648,955		139,671		-		-		139,671		1,788,626
Issued debt instruments		-		71,465		39,267		745,830		856,562		2,431,849		1,549,743		3,277,079		7,258,671		8,115,233
Other financial liabilities		179,681		934		2,412		22,844		205,871		9,261		92		176		9,529		215,400
Guarantees received (margin accounts)		540,091		-		-		-		540,091		-		-		-		-		540,091
Total financial liabilities		9,786,584		5,517,050		4,675,171		5,633,116		25,611,921		3,268,117		2,027,157		4,290,707		9,585,981		35,197,902

(*)

Loans and accounts receivables at amortised cost are presented on a gross basis, the amount of allowance is Ch$ 882,414 million.

(**)

Loans and accounts receivables at fvoci are presented on a gross basis, the amount of allowance is Ch$106 million.