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Interest Income (Tables)

12 Months Ended

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