Schedule of loan portfolio composition

As of December 31, 2019 the composition of the loan portfolio is as follows:

	Assets before allowances								ECL allowance								Net
As of December 31, 2019	Stage 1		Stage 2		Stage 3		Total		Stage 1		Stage 2		Stage 3		Total		Assets
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$

Commercial loans
Interbank loans		14,852		-		-		14,852		1		-		-		1		14,851
Commercial loans		10,179,002		870,028		659,157		11,708,187		41,296		41,734		301,094		384,124		11,324,063
Foreign trade loans		1,519,757		155,324		38,552		1,713,633		4,113		705		23,569		28,387		1,685,246
Checking accounts debtors		166,771		16,108		14,014		196,893		1,492		764		9,644		11,900		184,993
Factoring transactions		478,465		7,946		2,989		489,400		1,158		234		1,904		3,296		486,104
Student loans		57,206		5,942		8,125		71,273		1,774		1,950		5,595		9,319		61,954
Leasing transactions		1,184,765		178,556		61,541		1,424,862		5,415		8,270		30,960		44,645		1,380,217
Other loans and account receivable		201,805		11,163		30,257		243,225		2,178		2,287		20,432		24,615		218,328
Subtotal		13,802,623		1,245,067		814,635		15,862,325		57,427		55,944		393,198		506,569		15,355,756

Mortgage loans
Loans with mortgage finance bonds		10,774		744		780		12,298		13		21		103		137		12,161
Endorsable mortgage mutual loans		92,792		2,819		4,541		100,152		72		103		641		816		99,336
Other mortgage mutual loans		10,172,400		454,385		523,760		11,150,545		8,361		14,385		77,360		100,106		11,050,439
Subtotal		10,275,966		457,948		529,081		11,262,995		8,446		14,509		78,104		101,059		11,161,936

Consumer loans
Installment consumer loans		3,378,489		270,347		268,700		3,917,536		51,289		45,102		158,670		255,061		3,662,475
Credit card balances		1,341,734		17,668		18,308		1,377,710		12,507		4,894		9,936		27,337		1,350,373
Leasing transactions		3,569		303		80		3,952		56		30		36		122		3,830
Other consumer loans		239,255		4,400		3,342		246,997		3,544		782		1,621		5,947		241,050
Subtotal		4,963,047		292,718		290,430		5,546,195		67,396		50,808		170,263		288,467		5,257,728

Total		29,041,636		1,995,733		1,634,146		32,671,515		133,269		121,261		641,565		896,095		31,775,420

As of December 31, 2018 the composition of the loan portfolio is as follows:

	Assets before allowances								ECL allowance								Net
As of December 31, 2018	Stage 1		Stage 2		Stage 3		Total		Stage 1		Stage 2		Stage 3		Total		Assets
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$

Commercial loans
Interbank loans		15,093		-		-		15,093		10		-		-		10		15,083
Commercial loans		9,684,451		841,123		608,192		11,133,766		52,782		41,954		274,050		368,786		10,764,980
Foreign trade loans		1,646,337		56,295		49,805		1,752,437		5,466		735		33,716		39,917		1,712,520
Checking accounts debtors		183,290		16,452		15,420		215,162		2,108		467		11,209		13,784		201,378
Factoring transactions		370,391		6,005		4,587		380,983		829		91		3,433		4,353		376,630
Student loans		64,381		6,049		9,486		79,916		2,705		2,170		6,315		11,190		68,726
Leasing transactions		1,225,755		169,196		48,773		1,443,724		7,236		9,033		22,531		38,800		1,404,924
Other loans and account receivable		123,108		5,135		36,821		165,064		2,594		1,190		26,178		29,962		135,101
Subtotal		13,312,806		1,100,255		773,084		15,186,145		73,730		55,640		377,432		506,802		14,679,342

Mortgage loans
Loans with mortgage finance bonds		15,261		1,241		924		17,426		20		40		117		177		17,249
Endorsable mortgage mutual loans		101,074		3,454		4,008		108,536		87		126		592		805		107,731
Other mortgage mutual loans		9,142,627		442,801		439,591		10,025,019		8,899		14,936		66,453		90,288		9,934,731
Subtotal		9,258,962		447,496		444,523		10,150,981		9,006		15,102		67,162		91,270		10,059,711

Consumer loans
Installment consumer loans		2,693,260		231,107		265,303		3,189,670		50,748		48,622		148,017		247,387		2,942,283
Credit card balances		1,385,783		14,977		16,392		1,417,152		15,087		4,961		8,740		28,788		1,388,364
Leasing transactions		3,974		133		50		4,157		83		22		22		127		4,030
Other consumer loans		258,723		2,822		3,765		265,310		4,986		767		2,287		8,040		257,270
Subtotal		4,341,740		249,039		285,510		4,876,289		70,904		54,372		159,066		284,342		4,591,947

Total		26,913,508		1,796,790		1,503,117		30,213,415		153,640		125,114		603,660		882,414		29,331,001

Disclosure of detailed information about financial instruments [line items]

Schedule of gross carrying amount expected credit loss

An analysis of changes in the gross carrying amount and the corresponding ECL allowance as of December 31, 2019, is as follow:

	Stage1			Stage2			Stage3
	Collective			Collective			Collective			TOTAL
	MCh$			MCh$			MCh$			MCh$
Gross carrying amount at January 1, 2019		9,258,962			447,496			444,523			10,150,981
Transfers
Transfers to stage 2		(481,646	)		481,646			-			-
Transfers to stage 3		(60,329	)		-			60,329			-
Transfers to stage 3		-			(333,706	)		333,706			-
Transfers to stage 1		361,293			(361,293	)		-			-
Transfers to stage 2		-			250,896			(250,896	)		-
Transfers to stage 1		2,338			-			(2,338	)		-
Net changes on financial assets		1,131,941			(35,200	)		(24,539	)		1,072,202
Write-off		-			-			(34,184	)		(34,184	)
Foreign exchange adjustments and others		63,407			8,109			2,480			73,996
At 31 December 2019		10,275,966			457,948			529,081			11,262,995

	Stage 1			Stage 2			Stage 3
	Collective			Collective			Collective			TOTAL
	MCh$			MCh$			MCh$			MCh$
ECL allowance at January 1, 2019		9,006			15,102			67,162			91,270
Transfers
Transfers to stage 2		(3,318	)		3,318			-			-
Transfers to stage 3		(311	)		-			311			-
Transfers to stage 3		-			(12,598	)		12,598			-
Transfers to stage 1		13,849			(13,849	)		-			-
Transfers to stage 2		-			29,303			(29,303	)		-
Transfers to stage 1		193			-			(193	)		-
Net changes of the exposure and modifications in credit risk		(11,007	)		(6,825	)		57,300			39,468
Write-off		-			-			(34,184	)		(34,184	)
Foreign exchange adjustments and others		34			58			4,413			4,505
At 31 December 2019		8,446			14,509			78,104			101,059

An analysis of changes in the gross carrying amount and the corresponding ECL allowance as of December 31, 2018, is as follow:

	Stage1			Stage2			Stage3
	Collective			Collective			Collective			TOTAL
	MCh$			MCh$			MCh$			MCh$
Gross carrying amount at January 1, 2018		8,191,229			469,349			436,317			9,096,895
Transfers
Transfers to stage 2		(87,473	)		87,473			-			-
Transfers to stage 3		(64,949	)		-			64,949			-
Transfers to stage 3		-			(54,488	)		54,488			-
Transfers to stage 1		162,432			(162,432	)		-			-
Transfers to stage 2		-			79,159			(79,159	)		-
Transfers to stage 1		2,612			-			(2,612	)		-
Net changes on financial assets		1,226,259			34,653			10,215			1,271,127
Write-off		-			-			(31,664	)		(31,664	)
Foreign Exchange adjustments and others		(171,148	)		(6,218	)		(8,011	)		(185,377	)
At December 31, 2018		9,258,962			447,496			444,523			10,150,981

	Stage 1			Stage 2			Stage 3
	Collective			Collective			Collective			TOTAL
	MCh$			MCh$			MCh$			MCh$
ECL allowance at January 1, 2018		14,602			20,227			73,190			108,019
Transfers
Transfers to stage 2		(516	)		3,846			-			3,330
Transfers to stage 3		(383	)		-			9,060			8,677
Transfers to stage 3		-			(2,518	)		8,056			5,538
Transfers to stage 1		263			(6,255	)		-			(5,992	)
Transfers to stage 2		-			2,296			(10,185	)		(7,889	)
Transfers to stage 1		91			-			(232	)		(141	)
Net changes of the exposure and modifications in the credit risk		1,601			575			(1,784	)		392
Write-off		-			-			(13,548	)		(13,548	)
Foreign Exchange adjustments and others		(6,652	)		(3,069	)		2,605			(7,116	)
At December 31, 2018		9,006			15,102			67,162			91,270

Disclosure of detailed information about financial instruments [line items]