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Reporting Segments (Tables)

12 Months Ended

Dec. 31, 2019

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.