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Expected Credit Losses Allowance | 12 Months Ended
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Dec. 31, 2024
Expected Credit Losses Allowance [Abstract] |
Expected Credit Losses Allowance | EXPECTED CREDIT LOSSES ALLOWANCE As of December 31, 2024, 2023 and 2022, 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, 2024 *
| 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 | (3,447) |  |  | (9,814) |  |  | (842) |  |  | (3,100) |  |  | (84,997) |  |  | (147,393) |  |  | (249,593) |  |
Mortgage loans | - |  |  | (1,515) |  |  | - |  |  | (6,783) |  |  | - |  |  | (45,276) |  |  | (53,574) |  |
Consumer loans | - |  |  | 1,347 |  |  | - |  |  | (6,022) |  |  | - |  |  | (352,972) |  |  | (357,647) |  |
Contingent loans | (696) |  |  | 3,152 |  |  | (91) |  |  | (653) |  |  | 963 |  |  | 227 |  |  | 2,902 |  |
Loans and account receivable at FVOCI | (1,040) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (1,040) |  |
Debt at FVOCI | (188) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (188) |  |
Debt at amortised cost | 606 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 606 |  |
Subtotal | (4,765) |  |  | (6,830) |  |  | (933) |  |  | (16,558) |  |  | (84,034) |  |  | (545,414) |  |  | (658,534) |  |
Recovery of loans previously charged-off |  | 153,944 |  |
TOTAL |  | (504,590) |  |
*Includes overlays for an amount of MCh$89,994 to cover certain defaulted loans from mortgage and other commercial portfolios. See Note 37, Risk management. **Includes Other Commercial, Mortgages and Consumer.
| For the year ended December 31, 2023 * |
| Stage 1 |  | Stage 2 |  | Stage 3 |  |  |
| Corporate |  | Other ** commercial |  | Corporate |  | Other ** commercial |  | Corporate |  | Other ** commercial |  | TOTAL |
| MCh$ |  | 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$93,614 for future macro-economic information and scenarios updates. See Note 37, Risk management. **Includes Other Commercial, Mortgages and Consumer NOTE 33 - EXPECTED CREDIT LOSSES ALLOWANCE, continued
| For the year ended December 31, 2022 |
| Stage 1 |  | Stage 2 |  | Stage 3 |  |  |
| Corporate |  | Others ** commercial |  | Corporate |  | Others commercial |  | Corporate |  | Others** commercial |  | TOTAL |
| MCh$ |  | MCh$ |  | MCh$ |  | MCh$ |  | MCh$ |  | MCh$ |  | MCh$ |
Commercial loans | (4,325) |  |  | (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) |  |
Total | (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 Other Commercial, Mortgages and Consumer.

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