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Reporting Segments (Tables) | 12 Months Ended
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Dec. 31, 2023
Schedule of Reporting Segment [Abstract] |
Schedule of Reporting Segment | Below are the tables showing the Bank’s results by reporting segment for the years ended December 31, 2023, 2022 and 2021 in addition to the corresponding balances of loans and accounts receivable from customers:
|  |  |  |  |  |  |  | For the year ended December 31, 2023 |
|  | Loans and accounts receivable from customers (1) |  |  | Deposits and other demand deposits (2) |  |  | Net interest income |  |  | Net fee and commission income |  |  | Net income from financial operations |  |  | Provision for loan losses |  |  | Support expenses (3) |  |  | Segment’s net contribution |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Retail Banking |  |  | 29,066,792 |  |  |  | 13,896,076 |  |  |  | 1,381,014 |  |  |  | 376,643 |  |  |  | 45,573 |  |  |  | (295,221 | ) |  |  | (661,901 | ) |  |  | 846,108 |
Middle-market |  |  | 8,774,343 |  |  |  | 5,513,939 |  |  |  | 459,256 |  |  |  | 64,964 |  |  |  | 29,611 |  |  |  | (37,515 | ) |  |  | (106,851 | ) |  |  | 409,465 |
CIB |  |  | 3,077,491 |  |  |  | 8,256,291 |  |  |  | 248,381 |  |  |  | 50,457 |  |  |  | 185,617 |  |  |  | 10,418 |  |  |  | (95,914 | ) |  |  | 398,959 |
Other |  |  | (106,740 | ) |  |  | 2,009,462 |  |  |  | (995,602 | ) |  |  | 10,576 |  |  |  | 41,654 |  |  |  | (467 | ) |  |  | (11,482 | ) |  |  | (955,321 | )
Total |  |  | 40,811,886 |  |  |  | 29,675,768 |  |  |  | 1,093,049 |  |  |  | 502,640 |  |  |  | 302,455 |  |  |  | (322,785 | ) |  |  | (876,148 | ) |  |  | 699,211 |
Other operating income |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3,807 |
Other operating expenses and impairment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (33,550 | )
Net income from non-current assets and groups available for sale not admissible as discontinued operations |  |  |  | 13,154 |
Income from investments in associates and other companies |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8,763 |
Result of continuing operations before income taxes |  |  |  |  |  |  |  |  |  |  |  | 691,385 |
Income tax expense |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (97,548 | )
Result of discontinued operations before income taxes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | - |
Income tax expense |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | - |
Net income for the year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 593,837 |
| (1) | Corresponds to loans and accounts receivable and Interbank at amortised cost, without deducting their allowances for loan losses.
| (2) | Corresponds to Deposits and other demand liabilities and Time deposits and other time liabilities.
| (3) | Corresponds to the sum of personnel salaries and expenses, administrative expenses, depreciation and amortisation.
|  |  |  |  |  |  |  | For the year ended December 31, 2022 |
|  | Loans and accounts receivable from customers (1) |  |  | Deposits and other demand deposits (2) |  |  | Net interest income |  |  | Net fee and commission income |  |  | Net income from financial operations |  |  | Provision for loan losses |  |  | Support expenses (3) |  |  | Segment’s net contribution |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Retail Banking |  |  | 27,081,897 |  |  |  | 13,553,898 |  |  |  | 1,129,553 |  |  |  | 312,706 |  |  |  | 34,721 |  |  |  | (290,184 | ) |  |  | (635,991 | ) |  |  | 550,905 |
Middle-market |  |  | 8,641,652 |  |  |  | 6,110,529 |  |  |  | 389,297 |  |  |  | 62,644 |  |  |  | 22,979 |  |  |  | (57,253 | ) |  |  | (105,160 | ) |  |  | 312,507 |
CIB |  |  | 2,978,420 |  |  |  | 6,636,113 |  |  |  | 143,575 |  |  |  | 37,300 |  |  |  | 157,793 |  |  |  | (8,082 | ) |  |  | (91,926 | ) |  |  | 238,660 |
Other |  |  | 27,432 |  |  |  | 764,476 |  |  |  | (92,313 | ) |  |  | (5,381 | ) |  |  | 1,685 |  |  |  | (1,075 | ) |  |  | (21,943 | ) |  |  | (119,027 | )
Total |  |  | 38,729,401 |  |  |  | 27,065,016 |  |  |  | 1,570,112 |  |  |  | 407,269 |  |  |  | 217,178 |  |  |  | (356,494 | ) |  |  | (855,020 | ) |  |  | 983,045 |
Other operating income |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5,539 |
Other operating expenses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (106,306 | )
Net income from non-current assets and groups available for sale not admissible as discontinued operations |  |  |  | 8,518 |
Income from investments in associates and other companies |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10,310 |
Result of continuing operations before income taxes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 901,106 |
Income tax expense |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (93,624 | )
Result of discontinued operations before income taxes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | - |
Income tax expense |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | - |
Net income for the year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 807,482 |
|  |  |  |  |  |  |  | For the year ended December 31, 2021 |
|  | Loans and accounts receivable from customers (1) |  |  | Deposits and other demand deposits (2) |  |  | Net interest income |  |  | Net fee and commission income |  |  | Net income from financial operations |  |  | Provision for loan losses |  |  | Support expenses (3) |  |  | Segment’s net contribution |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Retail Banking |  |  | 25,784,719 |  |  |  | 14,779,739 |  |  |  | 1,035,288 |  |  |  | 270,750 |  |  |  | 36,286 |  |  |  | (239,885 | ) |  |  | (616,287 | ) |  |  | 486,152 |
Middle-market |  |  | 8,511,500 |  |  |  | 6,185,189 |  |  |  | 327,519 |  |  |  | 49,545 |  |  |  | 18,001 |  |  |  | (53,281 | ) |  |  | (94,721 | ) |  |  | 247,063 |
CIB |  |  | 2,154,325 |  |  |  | 6,010,150 |  |  |  | 96,388 |  |  |  | 31,027 |  |  |  | 112,576 |  |  |  | 2,884 |  |  |  | (77,051 | ) |  |  | 165,824 |
Other |  |  | 78,518 |  |  |  | 1,056,915 |  |  |  | 335,579 |  |  |  | (1,994 | ) |  |  | -47,835 |  |  |  | (946 | ) |  |  | (11,805 | ) |  |  | 272,999 |
Total |  |  | 36,529,062 |  |  |  | 28,031,993 |  |  |  | 1,794,774 |  |  |  | 349,328 |  |  |  | 119,028 |  |  |  | (291,228 | ) |  |  | (799,864 | ) |  |  | 1,172,038 |
Other operating income |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,662 |
Other operating expenses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (101,430 | )
Net income from non-current assets and groups available for sale not admissible as discontinued operations |  |  |  | 2,297 |
Income from investments in associates and other companies |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (475 | )
Result of continuing operations before income taxes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,074,092 |
Income tax expense |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (221,664 | )
Result of discontinued operations before income taxes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | - |
Income tax expense |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | - |
Net income for the year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 852,428 |
| (1) | Corresponds to loans and accounts receivable and Interbank at amortised cost, without deducting their allowances for loan losses.
| (2) | Corresponds to Deposits and other demand liabilities and Time deposits and other time liabilities.
| (3) | Corresponds to the sum of personnel salaries and expenses, administrative expenses, depreciation and amortisation.

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