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Administrative Expenses

12 Months Ended

Dec. 31, 2022

NOTE 31 - ADMINISTRATIVE EXPENSES

For the years ended December 31, 2022, 2021 and 2020, the composition of the item is as follows:

	For the years ended December 31,
	2022		2021		2020
	MCh$		MCh$		MCh$
General administrative expenses
Maintenance and repair of property, plant and equipment		23,411		22,157		20,300
Short term leases contracts		5,503		3,844		1,625
Other expenses related to leases contracts		30		20		78
Insurance payments		5,656		5,133		5,064
Office supplies		6,588		4,285		4,774
IT and communication expenses		85,209		80,965		68,436
Heating, and other utilities		5,514		4,213		5,455
Security and valuables transport services		16,459		13,490		12,365
Representation and personnel travel expenses		2,314		2,723		2,375
Judicial and notarial expenses		911		915		860
Fees for technical reports, assessments and auditing		8,760		7,950		8,460
Fines applied by FMC		51		-		-
Other general administrative expenses		20,631		14,337		13,110
Subtotal		181,037		160,032		142,848
Outsourced services
Data processing		41,714		36,250		38,032
Technological development, certification and testing service		3,197		3,442		2,351
Administration and supply of external human resources		21		105		-
Call center for sale, marketing and control quality of client’ services		15		8		-
External collection services		427		241		222
External ATM administration and maintenance services		525		377		331
External cleaning, casino, custody, storage services		4,691		4,395		3,620
Product sale and distribution services		119		368		1,025
External credit evaluation services		5,195		7,243		7,496
Other		26,042		21,887		19,436
Subtotal		81,946		74,316		72,513
Board expenses		1,764		1,539		1,517
Marketing expenses		25,984		26,321		16,791
Taxes, payroll taxes, and contributions
Real estate taxes		2,107		1,893		2,214
Patents		2,134		2,289		2,135
Other taxes		2		5		5
Contributions to FMC		15,245		13,739		12,427
Subtotal		19,488		17,926		16,781
Total		310,219		280,134		250,450