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Risk Management (Tables)

12 Months Ended

Dec. 31, 2021

Disclosure of financial risk management [text block] [Abstract]

Schedule of high, low and average levels

VaR		2021 USDMM				2020 USDMM
Consolidated:
High			3.43				12.82
Low			1.11				1.94
Average			1.96				4.45
Fixed-income investments:
High			2.86				11.96
Low			1.12				1.50
Average			1.86				3.19
Variable-income investments
High			0.29				0.01
Low			-				-
Average			0.19				-
Foreign currency investments
High			2.33				6.47
Low			0.09				0.71
Average			0.77				2.85

Schedule of market risk

		2021								2020
		Effect on financial income				Effect on capital				Effect on financial income				Effect on capital
Financial management portfolio – local currency (MCh$)
Loss limit			32,865				84,864				100,000				329,275
High			31,233				80,097				66,504				302,263
Low			13,694				41,653				26,492				214,596
Average			24,018				62,916				45,380				255,070
Financial management portfolio – foreign currency (Th$US)
Loss limit			36,619				34,991				32				53
High			8,545				32,205				19				47
Low			698				1,055				2				12
Average			3,733				17,615				5				33
Financial management portfolio – consolidated (in MCh$)
Loss limit			32,865				84,864				100,000				329,275
High			25,709				78,259				67,584				286,436
Low			12,854				56,857				25,111				210,706
Average			21,041				69,577				46,044				246,292

Schedule of exposures of financial assets and liabilities impacted by IBOR reform

As of December 31, 2021

Loans and advances

Deposits

Debt instruments

Financial derivative contracts (Assets)

Financial derivative contracts (Liabilities)

MCh$

MCh$

MCh$

MCh$

MCh$

362,331

582,979

200,301

614,035

483,789

As of December 31, 2020

Loans and advances

Deposits

Debt instruments

Financial derivative contracts (Assets)

Financial derivative contracts (Liabilities)

MCh$

MCh$

MCh$

MCh$

MCh$

609,243

-

38,819

1,672,422

1,623,725

Schedule of quality assets and its related provision

December 31, 2021
		Corporate
Commercial		Stage 1				Stage 2				Stage 3				Total				Percentage				Stage 1				Stage 2				Stage 3				Total ECL Allowance				Percentage
Portfolio		MCh$				MCh$				MCh$				MCh$				%				MCh$				MCh$				MCh$				MCh$				%
A1			41,025				-				-				41,025				0.11	%			-				-				-				-				0.00	%
A2			751,943				9				-				751,952				2.06	%			1,351				-				-				1,333				0.13	%
A3			2,510,562				6,168				68				2,605,894				7.13	%			4,478				80				23				4,733				0.45	%
A4			2,728,117				9,009				-				2,753,735				7.54	%			7,374				144				-				7,477				0.71	%
A5			2,599,685				41,052				-				2,535,032				6.94	%			12,310				2,335				-				14,214				1.35	%
A6			1,746,362				169,482				841				1,916,685				5.25	%			24,539				13,580				332				38,789				3.69	%
B1			-				754,993				112				755,105				2.07	%			-				45,287				37				45,324				4.31	%
B2			-				238,705				-				238,705				0.65	%			-				21,300				-				21,300				2.03	%
B3			-				80,130				3				80,133				0.22	%			-				8,117				1				8,118				0.77	%
B4			-				55,213				33,316				88,529				0.24	%			-				4,967				9,293				14,260				1.36	%
C1			-				30,929				146,315				177,244				0.49	%			-				3,539				43,150				46,689				4.44	%
C2			-				9,033				93,013				102,046				0.28	%			-				737				24,306				25,043				2.38	%
C3			-				9,603				40,879				50,482				0.14	%			-				702				12,411				13,113				1.25	%
C4			-				1,243				64,771				66,014				0.18	%			-				133				27,009				27,142				2.58	%
C5			-				3,411				98,979				102,390				0.28	%			-				230				57,446				57,676				5.49	%
C6			-				2,388				72,940				75,328				0.21	%			-				183				48,508				48,691				4.63	%
Subtotal			10,377,694				1,411,368				551,237				12,340,299				33.78	%			50,052				101,334				222,516				373,902				35.56	%
			Overall monitoring
			Stage 1				Stage 2				Stage 3				Total				Percentage				Stage 1				Stage 2				Stage 3				Total ECL Allowance				Percentage
			MCh$				MCh$				MCh$				MCh$				%				MCh$				MCh$				MCh$				MCh$				%
Other Commercial			4,716,168				233,158				364,016				5,313,342				14.55	%			38.597				14.655				176.211				229.463				21,82	%
Mortgage			12,966,599				367,838				541,737				13,876,174				37.99	%			25.385				12.728				105.545				143.658				13,66	%
Consumer			4,603,595				178,513				217,139				4,999,247				13.69	%			125.939				38.197				140.275				304.411				28,95	%
Subtotal			22,286,362				779,509				1,122,892				24,188,763				66.22	%			189.921				65.580				422.031				677.532				64,44	%
Total			32,664,056				2,190,877				1,674,129				36,529,062				100.00	%			239.973				166.914				644.547				1.051.434				100,00	%

December 31, 2020
		Corporate
Commercial		Stage 1				Stage 2				Stage 3				Total				Percentage				Stage 1				Stage 2				Stage 3				Total ECL Allowance				Percentage
Portfolio		MCh$				MCh$				MCh$				MCh$				%				MCh$				MCh$				MCh$				MCh$				%
A1			45,862				-				-				45,862				0.13	%			3				-				-				3				0.00	%
A2			1,095,506				3,265				-				1,098,771				3.20	%			900				54				-				954				0.09	%
A3			1,863,480				19,658				-				1,883,138				5.48	%			3,318				339				-				3,657				0.35	%
A4			2,632,793				42,529				-				2,675,322				7.79	%			7,329				606				-				7,935				0.77	%
A5			2,538,748				164,341				232				2,703,321				7.87	%			11,498				4,618				78				16,194				1.56	%
A6			1,588,410				289,460				53				1,877,923				5.47	%			16,541				14,010				53				30,604				2.95	%
B1			-				715,348				-				715,348				2.08	%			-				25,679				-				25,679				2.48	%
B2			-				161,239				233				161,472				0.47	%			-				9,566				138				9,704				0.94	%
B3			-				65,684				695				66,379				0.19	%			-				3,764				434				4,198				0.40	%
B4			-				73,248				49,430				122,678				0.36	%			-				3,008				21,014				24,022				2.32	%
C1			-				29,863				138,171				168,034				0.49	%			-				2,201				48,365				50,566				4.88	%
C2			-				12,282				69,491				81,773				0.24	%			-				926				27,021				27,947				2.70	%
C3			-				1,550				55,378				56,928				0.17	%			-				86				15,603				15,689				1.51	%
C4			-				2,227				48,177				50,404				0.15	%			-				143				21,038				21,181				2.04	%
C5			-				3,981				36,822				40,803				0.12	%			-				267				20,397				20,664				1.99	%
C6			-				5,040				131,384				136,424				0.40	%			-				185				107,364				107,549				10.37	%
Subtotal			9,764,799				1,589,715				530,066				11,884,580				34.61	%			39,589				65,452				261,505				366,546				35.35	%
			Overall monitoring
			Stage 1				Stage 2				Stage 3				Total				Percentage				Stage 1				Stage 2				Stage 3				Total ECL Allowance				Percentage
			MCh$				MCh$				MCh$				MCh$				%				MCh$				MCh$				MCh$				MCh$				%
Other Commercial			4,493,999				228,591				380,019				5,102,609				14.86	%			40,943				44,315				193,268				278,526				26.86	%
Mortgage			11,518,363				392,372				501,090				12,411,825				36.14	%			25,065				8,441				79,016				112,522				10.85	%
Consumer			4,439,163				236,595				265,121				4,940,879				14.39	%			88,825				31,732				158,642				279,199				26.93	%
Subtotal			20,451,525				857,558				1,146,230				22,455,313				65.39	%			154,833				84,488				430,926				670,247				64.65	%
Total			30,216,324				2,447,273				1,676,296				34,339,893				100.00	%			194,422				149,940				692,431				1,036,793				100.00	%

Schedule of residual maturity over measured that have not expired

																Corporate
Mortgages				Other loans				Revolving (Credit cards)				Overall monitoring SME				Corporate SME				Middle market				Corporate and Investment Banking
	39.57	%			39.11	%			15.73	%			39.11	%			22.69	%			4.5	%		Santander Group criteria

					Corporate
Mortgages	Other loans	Revolving (Credit cards)	Overall monitoring SME		Corporate SME	Middle market	Corporate and Investment Banking
Irregular portfolio > 30 days	Irregular portfolio > 30 days	Irregular portfolio > 30 days	Irregular portfolio > 30 days		Irregular portfolio > 30 days	Irregular portfolio > 30 days	Irregular portfolio > 30 days
Restructured  marked for monitoring	Restructured  marked for monitoring	Restructured  marked for monitoring	Restructured  marked for monitoring		Restructured  marked for monitoring	Restructured  marked for monitoring	Restructured  marked for monitoring
					Clients considered to be substandard or in incompliance (pre-legal action)	Clients considered to be substandard or in incompliance (pre-legal action)	Clients considered to be substandard or in incompliance (pre-legal action)

Schedule of allowance and exposure at default (EAD) of the loans

		2021				2020
		MCh$				MCh$
Loans and account receivable			373,506				224,087
Allowance for ECL			87,418				119,537

Schedule of modified loans

		As of December 31, 2021																As of December 31, 2020
		Stage 1				Stage 2				Stage 3				Total				Stage 1				Stage 2				Stage 3				Total
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Gross carrying amount			32,664,056				2,190,877				1,674,129				36,529,062				30,216,324				2,447,273				1,676,296				34,339,893
Modified loans			-				811,318				889,571				1,700,889				-				799,572				886,021				1,685,593
%			-				37.03	%			53.14	%			4.66	%			-				36.67	%			52.86	%			4,91	%
ECL allowance			239,973				166,914				644,547				1,051,434				194,422				149,940				692,431				1,036,793
Modified loans			-				58,651				357,183				415,744								33,118				409,485				442,603
%			-				35.08	%			55.42	%			39.54	%							22.09	%			59.14	%			42.69	%

Schedule of classification of relief measures

COVID-19 measures		As of December 31, 2021				As of December 31, 2020
		MCh$				MCh$
Fogape loans			1,331,940				2,076,119
Fogape Reactiva			876,698				-
Payment holiday			7,877,036				9,098,028
Payment holiday – current			104				734,986
Payment holiday - expired			7,876,932				8,363,042

Schedule of residual maturity over measured that have not expired

<= 6 months

<= 12 months

<= 2 years

> 2 year <= 5 year

MCh$

MCh$

MCh$

MCh$

MCh$

Payment holiday – current

104

46

10

48

-

Stage 1

Stage 2

Stage 3

MCh$

MCh$

MCh$

MCh$

Payment holiday – expired

7,876,932

7,338,640

295,415

242,877

Schedule of macro economical forward

		Average estimates 2021 - 2022
		Unfavorable scenario 2				Unfavorable scenario 1				Base scenario				Favorable scenario 1				Favorable scenario 2
Official interest rate			0.8	%			1.7	%			2.9	%			4.0	%			4.9	%
Unemployment rate			10.7	%			9.8	%			8.6	%			7.4	%			6.5	%
Housing Price growth			0.2	%			1,6	%			3.5	%			5.5	%			6.9	%
GDP growth			(2.1	)%			(0.5	)%			1.5	%			3.5	%			5.0	%
Consumer Price Index			5.2	%			7.4	%			10.2	%			13.4	%			15.6	%

Schedule of probabilities

Local scenario						Global scenario
			Probability weighting						Probability weighting
Favorable scenario 2			10	%		Favorable scenario 1			10	%
Favorable scenario 1			15	%		Base scenario			20	%
Base scenario			50	%		Unfavorable scenario 1			70	%
Unfavorable scenario 1			15	%
Unfavorable scenario 2			10	%

Schedule of allowance sensibility

		As of December 31,
		2021				2020
		MCh$				MCh$
Reported ECL allowance			1,051,702				1,038,147
Gross carrying amount			36,628,705				34,410,578
Reported ECL Coverage			2.87	%			3.02	%
ECL amount by scenarios
Favorable scenarios 2			926,695				876,654
Favorable scenarios 1			994,883				930,044
Base scenarios			1,061,809				981,671
Unfavorable scenarios 2			1,144,741				1,047,127
Unfavorable scenarios 2			1,204,015				1,083,371
Coverage ratio by scenarios
Favorable scenarios 2			2.55	%			2.55	%
Favorable scenarios 1			2.71	%			2.71	%
Base scenarios			3.05	%			2.86	%
Unfavorable scenarios 2			2.86	%			3.05	%
Unfavorable scenarios 2			3.15	%			3.15	%

Schedule of risk concentration

	As of December 31,
	2021																2020
		Stage 1				Stage 2				Stage 3				Total				Stage 1				Stage 2				Stage 3				Total
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Commercial loans
Agriculture and livestock			490,225				159,158				54,863				704,247				555,132				103,388				59,473				717,993
Fruit cultivation			483,684				156,621				32,564				672,869				469,663				130,163				28,044				627,870
Forest			142,705				23,292				12,288				178,285				141,892				23,463				13,820				179,175
Fishing			244,555				22,209				4,519				271,283				209,182				20,128				4,842				234,152
Mining			202,599				6,683				6,067				215,348				265,195				161,631				6,789				433,615
Oil and natural gas			89,635				-				16				89,651				2,672				-				18				2,690
Manufacturing Industry:
Food, beverages and tobacco			326,347				22,769				14,990				364,107				261,746				40,081				14,633				316,460
Textile, leather and footwear			84,338				10,629				6,641				101,608				80,461				17,317				6,996				104,774
Wood and furniture			83,337				4,957				6,036				94,330				75,459				5,779				9,317				90,555
Cellulose, paper and printing			57,520				10,195				5,459				73,173				65,748				10,531				4,315				80,594
Chemicals and petroleum derivatives			142,581				5,804				790				149,175				124,596				12,339				1,206				138,141
Metallic, non-metallic, machinery, or other			471,646				15,420				15,055				502,121				572,210				44,314				31,173				647,697
Other manufacturing industries			221,399				21,643				15,491				258,533
Electricity, gas, and wáter			650,654				37,948				6,868				695,470				347,177				27,848				6,559				381,584
Home building			242,787				22,373				16,746				281,906				221,819				20,123				15,649				257,591
Non-residential construction			587,446				55,120				45,890				688,456				589,988				41,705				70,085				701,778
Wholesale trade			1,538,052				182,403				120,680				1,841,135				1,351,873				220,092				148,888				1,720,853
Retail trade, restaurants and hotels			1,182,087				124,861				87,689				1,394,637				1,180,632				170,255				88,719				1,439,606
Transport and storage			626,278				123,778				32,195				782,251				621,901				97,624				58,076				777,601
Telecommunications			294,247				21,488				6,392				322,127				294,957				28,433				7,725				331,115
Financial services			891,411				3,478				3,576				898,465				578,543				2,972				3,770				585,285
Real estate services			2,245,893				201,914				148,774				2,596,581				2,549,770				223,884				89,684				2,863,338
Social services and other community services			3,794,435				411,783				271,665				4,477,883				3,698,182				416,236				240,304				4,354,722
Subtotal			15,093,862				1,644,526				915,253				17,653,641				14,258,798				1,818,306				910,085				16,987,189
Mortgage loans			12,966,599				367,838				541,737				13,876,174				11,518,363				392,372				501,090				12,411,825
Consumer loans			4,603,595				178,513				217,139				4,999,247				4,439,163				236,595				265,121				4,940,879
Total			32,664,056				2,190,877				1,674,129				36,529,062				30,216,324				2,447,273				1,676,296				34,339,893

Schedule of financial assets and associated collateral

		As of December 31,
		2021																2020
		Maximum exposure to credit risk				Collateral				Net exposure				Associated ECL				Maximum exposure to credit risk				Collateral				Net exposure				Associated ECL
		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Commercial loans			17,724,326				10,171,168				7,553,158				602,011				17,057,874				9,887,154				7,170,720				646,426
Mortgage loans			13,876,174				13,331,941				544,233				143,658				12,411,825				11,931,235				480,590				112,522
Consumer Loans			4,999,247				619,624				4,379,623				304,411				4,940,879				653,066				4,287,813				279,199
Total			36,599,747				24,122,733				12,477,014				1,050,080				34,410,578				22,471,455				11,939,123				1,038,147

Schedule of financial assets and off-balance sheet commitments

						As of December 31,
						2021				2020
						Amount of exposure				Amount of exposure
		Note				MCh$				MCh$
Deposits in banks			4				1,998,236				2,137,891
Cash items in process of collection			4				390,271				452,963
Financial derivative contracts			7				10,123,607				9,032,085
Financial assets held for trading			5				73,347				133,718
Loans and account receivable at amortized cost / Loans and account receivable at FVOCI			8/ 10				35,577,003				33,372,431
Debt instrument at fair value through other comprehensive income			11				5,803,139				7,162,542
Debt instruments at amortized cost			9				4,691,730				-
Off-balance commitments:
Letters of credit issued							323,531				165,119
Foreign letters of credit confirmed							53,777				82,779
Performance guarantees							1,390,410				1,090,643
Available credit lines							8,986,535				8,391,414
Personal guarantees							579,051				441,508
Other irrevocable credit commitments							265,517				406,234
Total							70,256,154				62,869,327

Schedule of fair value of derivative instruments

Country			Classification				Derivative Instruments (adjusted to market)				Deposits				Loans				Financial investments				Total Exposure
						US$ millions
China			2				8.94				-				-				-				8,94
Italy			2				-				1.99				0.13				-				2.12
Mexico			2				3.30				0.03				-				-				3.33
Panama			2				1.84				-				-				-				1.84
Peru			2				0.13				-				-				-				0.13
Uruguay			2				-				-				0.06				-				0.06
Total							14.21				2.02				0.19				-				16.42

Counterpart		Country		Classification				Derivative instruments (market adjusted)				Deposits MUSD				Loans MUSD				Financial Investments MUSD				Exposure MUSD
							US$ millions
Banco Santander Hong Kong		Hong Kong			2				-				8.93												8.93
Banco Santander Mexico		Mexico			2				3.30				-				-				-				3.30
Banco Santander EEUU		EEUU			1				2.53				1,000				-				-				1002.53
Banco Santander España		Spain			1				146.88				230.05				-				-				376.93

Schedule of security interests, collateral, or credit improvements

		As of December 31,
		2021				2020
		MCh$				MCh$
Non-impaired financial assets:
Properties/mortgages			27,013,636				25,424,161
Investments and others			1,813,714				2,306,062
Impaired financial assets:
Properties/ mortgages			1,715,628				1,548,568
Investments and others			69,083				65,668
Total			30,612,061				29,344,459

Schedule of breakdown of bank's liquid assets by levels

		As of December 31,
		2021				2020
		MCh$				MCh$
Balance as of:
Cash and cash equivalent			1,106,152				988,320
Level 1 liquid assets (1)			1,223,824				2,490,810
Level 2 liquid assets (2)			9,792				12,681
Total liquid assets			2,339,768				3,491,811

Schedule of exposure to liquidity risk

		As of December 31,
		2021 %				2020 %
30 days			1				30
30 days foreign currency			2				15
90 days			2				32

Schedule of breakdown by maturity

As of December 31,		Demand				Up to 1 month				Between 1 and 3 months				Between 3 and 12 months				Between 1 and 3 years				Between 3 and 5 years				More than 5 years				Total
2021		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Maturity of financial assets (Note N°20)			5,454,325				5,010,170				2,013,914				5,287,477				7,905,288				7,477,525				29,432,968				62,581,667
Maturity of financial liabilities (Note N°20)			(19,625,676	)			(5,720,212	)			(3,886,855	)			(6,075,164	)			(10,533,015	)			(4,737,817	)			(7,195,087	)			(57,773,826	)
Net maturity financial assets/(liabilities)			(14,171,351	)			(710,042	)			(1,872,941	)			(787,687	)			(2,627,727	)			2,739,708				22,237,881				4,807,841
Other Commercial Commitments
Pledges and other commercial commitments			-				(29,336	)			(44,479	)			(442,801	)			(52,665	)			(798	)			(8,972	)			(579,051	)
Confirmed foreign letters of credit			-				(29,379	)			(20,199	)			(4,199	)			-				-				-				(53,777	)
Letters of credit issued			-				(77,679	)			(156,045	)			(89,794	)			(13	)			-				-				(323,531	)
Performance guarantee			-				(93,792	)			(178,894	)			(649,643	)			(423,555	)			(37,463	)			(7,063	)			(1,390,410	)
Net maturity including commitments			(14,171,351	)			(940,228	)			(2,272,558	)			(1,974,124	)			(3,103,960	)			2,701,447				22,221,846				2,461,072

As of December 31,		Demand				Up to 1 month				Between 1 and 3 months				Between 3 and 12 months				Between 1 and 3 years				Between 3 and 5 years				More than 5 years				Total
2020		MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$				MCh$
Maturity of financial assets (Note N°20)			4,034,824				2,639,165				1,848,268				4,655,603				5,589,111				4,399,179				31,437,931				54,604,081
Maturity of financial liabilities (Note N°20)			(15,867,957	)			(7,821,474	)			(4,029,845	)			(3,589,747	)			(4,714,324	)			(8,142,738	)			(6,817,582	)			(50,983,667	)
Net maturity financial assets/(liabilities)			(11,833,133	)			(5,182,309	)			(2,181,577	)			1,065,856				874,787				(3,743,559	)			24,620,349				3,620,414
Other Commercial Commitments
Pledges and other commercial commitments			-				(33,588	)			(29,958	)			(367,164	)			(10,798	)			-				-				(441,508	)
Confirmed foreign letters of credit			-				(18,247	)			(48,056	)			(16,163	)			(313	)			-				-				(82,779	)
Letters of credit issued			-				(42,089	)			(83,764	)			(36,201	)			(3,065	)			-				-				(165,119	)
Performance guarantee			-				(114,653	)			(181,399	)			(437,835	)			(303,165	)			(46,971	)			(6,620	)			(1,090,643	)
Net maturity including commitments			(11,833,133	)			(5,390,886	)			(2,524,754	)			208,493				557,446				(3,790,530	)			24,613,729				1,840,365

Schedule of net losses from operational risks

		As of December 31,
Net losses from operational risks		2021				2020
Fraud			977				4,703
Labor related			3,215				443
Client / product related			13				250
Damage to fixed assets			228				(2,592	)
Business continuity / Systems			144				1,570
Processing			8,251				3,992
Total			12,828				8,366

Schedule of levels of basic capital and effective net equity

										Ratio
		As of December 31,								As of December 31,
		2021				2020				2021				2020
		MCh$				MCh$				%				%
Basic capital			3,400,220				3,567,916				5.72				6.69
Regulatory capital			5,184,363				5,143,843				14.49				15.37

Schedule of regulatory capital

		As of December 31, 2021
		MCh$				%
Common Equity Tier 1 capital (CET1)			3,494,580				5.73
Regulatory capital			5,776.831				15.86

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