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Expected Credit Losses Allowance (Tables) | 12 Months Ended
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Dec. 31, 2023
Expected Credit Losses Allowance [Abstract] |
Schedule of Allowance by Stage Recorded at Income Statements | As of December 31, 2023, 2022 and 2021, 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, 2023 * |  | Stage 1 |  |  | Stage 2 |  |  | Stage 3 |  |  |  |
|  | Corporate |  |  | Other ** commercial |  |  | Corporate |  |  | Other ** commercial |  |  | Corporate |  |  | Other ** commercial |  |  | TOTAL |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Commercial loans |  |  | 132 |  |  |  | (3,898 | ) |  |  | (19,358 | ) |  |  | 4,686 |  |  |  | 92,539 |  |  |  | 81,616 |  |  |  | 155,717 |
Mortgage loans |  |  | - |  |  |  | (4,582 | ) |  |  | - |  |  |  | (1,213 | ) |  |  | - |  |  |  | 97,364 |  |  |  | 91,569 |
Consumer loans |  |  | - |  |  |  | 29,029 |  |  |  | - |  |  |  | 57,262 |  |  |  | - |  |  |  | 119,881 |  |  |  | 206,172 |
Contingent loans |  |  | (1,184 | ) |  |  | (14,256 | ) |  |  | (6,316 | ) |  |  | (1,834 | ) |  |  | 816 |  |  |  | (1,589 | ) |  |  | (24,363 | )
Loans and account receivable at FVOCI |  |  | (201 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (201 | )
Debt at FVOCI |  |  | - |  |  |  | (78 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (78 | )
Debt at amortised cost |  |  | - |  |  |  | 1,038 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,038 |
Subtotal |  |  | (1,253 | ) |  |  | 7,253 |  |  |  | (25,674 | ) |  |  | 58,901 |  |  |  | 93,355 |  |  |  | 297,272 |  |  |  | 429,854 |
Recovery of loans previously charged-off |  |  |  | (107,069 | )
TOTAL |  |  |  | 322,785 |
| * | Includes overlays for an amount of MCh$93,614 to cover certain defaulted loans from mortgage and other commercial portfolios. See Note 37, Risk management.
| ** | Includes Other Commercial, Mortgages and Consumer.
For the year ended December 31, 2022 * |  | Stage 1 |  |  | Stage 2 |  |  | Stage 3 |  |  |  |
|  | Corporate |  |  | Other ** commercial |  |  | Corporate |  |  | Other ** commercial |  |  | Corporate |  |  | Other ** commercial |  |  | TOTAL |
|  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |  |  | MCh$ |
Commercial loans |  |  | 4,3245 |  |  |  | 8,734 |  |  |  | 272 |  |  |  | 515 |  |  |  | 90,349 |  |  |  | 93,961 |  |  |  | 198,156 |
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 |  |  | 4,836 |  |  |  | 23,250 |  |  |  | -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$91,351 for future macro-economic information and scenarios updates. See Note 37, Risk management.
| ** | Includes Other Commercial, Mortgages and Consumer
For the year ended December 31, 2021 |  | Stage 1 |  |  | Stage 2 |  |  | Stage 3 |  |  |  |
|  | Corporate |  |  | Others ** commercial |  |  | Corporate |  |  | Others commercial |  |  | Corporate |  |  | Others** commercial |  |  | TOTAL |
|  | MCh$ |  |  | 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.

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