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Expected Credit Losses Allowance | 12 Months Ended
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Dec. 31, 2022
Expected Credit Losses Allowance [Abstract] |
EXPECTED CREDIT LOSSES ALLOWANCE | NOTE 33 - EXPECTED CREDIT LOSSES ALLOWANCE As of December 31, 2022, 2021 and 2020, under the credit risk model established by IFRS 9 the ECL allowance by stage recorded at income statements is as follows:
For the year ended December 31, 2022 * |  | Stage1 |  |  | Stage2 |  |  | Stage3 |  |  |  |
|  | Corporate |  |  | Other ** commercial |  |  | Corporate |  |  | Other ** commercial |  |  | Corporate |  |  | Other ** commercial |  |  | TOTAL |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Commercial loans |  |  | 4,324 |  |  |  | 8,734 |  |  |  | 272 |  |  |  | 515 |  |  |  | 90,349 |  |  |  | 93,961 |  |  |  | 198,155 |
Mortgage loans |  |  | - |  |  |  | (5,010 | ) |  |  | - |  |  |  | (4,936 | ) |  |  | - |  |  |  | 51,327 |  |  |  | 41,381 |
Consumer loans |  |  | - |  |  |  | 16,234 |  |  |  | - |  |  |  | 72,115 |  |  |  | - |  |  |  | 113,510 |  |  |  | 201,859 |
Contingent loans |  |  | 453 |  |  |  | 2,864 |  |  |  | -837 |  |  |  | (231 | ) |  |  | 1,511 |  |  |  | 1,429 |  |  |  | 5,189 |
Loans and account receivable at FVOCI |  |  | 58 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 58 |
Debt at FVOCI |  |  | - |  |  |  | (529 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (529 | )
Debt at amortised cost |  |  | - |  |  |  | 957 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 957 |
Subtotal |  |  | 4,837 |  |  |  | 23,249 |  |  |  | -565 |  |  |  | 67,463 |  |  |  | 91,860 |  |  |  | 260,227 |  |  |  | 447,071 |
Recovery of loans previously charged-off |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (90,577 | )
TOTAL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 356,494 |
| * | Includes overlays for an amount of MCh$91,351 for future macro-economic information and scenarios updates. See Note 37, Risk management.
| ** | Includes Other Commercial, Mortgages and Consumer
For the year ended December 31, 2021 |  | Stage1 |  |  | Stage2 |  |  | Stage3 |  |  |  |
|  | Corporate |  |  | Others ** commercial |  |  | Corporate |  |  | Others commercial |  |  | Corporate |  |  | Others** commercial |  |  | TOTAL |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Commercial loans |  |  | 22,469 |  |  |  | 6,625 |  |  |  | 37,952 |  |  |  | 3,445 |  |  |  | 48,013 |  |  |  | 58,030 |  |  |  | 176,534 |
Mortgage loans |  |  | - |  |  |  | 7,134 |  |  |  | - |  |  |  | 7,540 |  |  |  | - |  |  |  | 29,763 |  |  |  | 44,437 |
Consumer loans |  |  | - |  |  |  | 56,994 |  |  |  | - |  |  |  | 17,710 |  |  |  | - |  |  |  | 59,963 |  |  |  | 134,667 |
Contingent loans |  |  | 1,607 |  |  |  | 7,397 |  |  |  | 5,167 |  |  |  | (1,420 | ) |  |  | (279 | ) |  |  | (218 | ) |  |  | 12,254 |
Loans and account receivable at FVOCI |  |  | 59 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 59 |
Debt at FVOCI |  |  | - |  |  |  | (435 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (435 | )
Debt at amortised cost |  |  | - |  |  |  | 711 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 711 |
Total |  |  | 24,135 |  |  |  | 78,426 |  |  |  | 43,119 |  |  |  | 27,275 |  |  |  | 47,734 |  |  |  | 147,538 |  |  |  | 368,227 |
Recovery of loans previously charged-off |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (76,999 | )
TOTAL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 291,228 |
| ** | Includes Other Commercial, Mortgages and Consumer
For the year ended December 31, 2020 * |  | Stage1 |  |  | Stage2 |  |  | Stage3 |  |  |  |
|  | Corporate |  |  | Other ** commercial |  |  | Corporate |  |  | Other** commercial |  |  | Corporate |  |  | Other** commercial |  |  | TOTAL |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Commercial loans |  |  | 43,655 |  |  |  | 23,449 |  |  |  | 43,861 |  |  |  | 31,410 |  |  |  | 105,730 |  |  |  | 76,357 |  |  |  | 324,462 |
Mortgage loans |  |  | - |  |  |  | 30,203 |  |  |  | - |  |  |  | 4,034 |  |  |  | - |  |  |  | 7,636 |  |  |  | 41,873 |
Consumer loans |  |  | - |  |  |  | 42,986 |  |  |  | - |  |  |  | (3,914 | ) |  |  | - |  |  |  | 141,466 |  |  |  | 180,538 |
Contingent loans |  |  | 852 |  |  |  | (1,411 | ) |  |  | 1,624 |  |  |  | 3,029 |  |  |  | (14 | ) |  |  | 423 |  |  |  | 4,503 |
Loans and account receivable at FVOCI |  |  | 629 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 629 |
Debt at FVOCI |  |  | 682 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 682 |
Total |  |  | 45,818 |  |  |  | 95,227 |  |  |  | 45,485 |  |  |  | 34,559 |  |  |  | 105,716 |  |  |  | 225,882 |  |  |  | 552,687 |
Recovery of loans previously charged-off |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (74,926 | )
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 477,761 |
| * | Includes overlays for an amount of MCh$59,000. See Note 37, Risk management.
| ** | Includes Other Commercial, Mortgages and Consumer

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