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Other Operating Income and Expenses | 12 Months Ended
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Dec. 31, 2024
Other Operating Income and Expenses [Abstract] |
Other Operating Income and Expenses | OTHER OPERATING INCOME AND EXPENSES Other operating income is comprised of the following components:
| For the years ended December 31, |
| 2024 |  | 2023 |  | 2022 |
| MCh$ |  | MCh$ |  | MCh$ |
Pension plan interest |  |  | 539 |  |  | 963 |  |
Compensation from insurance companies due to damages (1) | 112 |  |  | 45 |  |  | 141 |  |
Rental income | 402 |  |  | 457 |  |  | – |  |
Income from recovery tax and expenses | 421 |  |  | 661 |  |  | 548 |  |
Income from business alliance | 3,396 |  |  | 1,218 |  |  | – |  |
Other | 3,717 |  |  | 887 |  |  | 3,887 |  |
Total | 8,048 |  |  | 3,807 |  |  | 5,539 |  |
(1)Mainly related to recoveries from fraud claims. Other operating expenses are detailed as follows:
| For the years ended December 31, |
| 2024 |  | 2023 |  | 2022 |
| MCh$ |  | MCh$ |  | MCh$ |
Credit card expenses | (147) |  |  | (1,043) |  |  | (779) |  |
Customer services | (627) |  |  | (1,791) |  |  | (2,583) |  |
Operating risk charge-offs and provision | (43,501) |  |  | (10,358) |  |  | (11,089) |  |
Recovery of operating expenses | 29,813 |  |  | 2,692 |  |  | 362 |  |
Life insurance and general product insurance policies (1) | (31,296) |  |  | (9,325) |  |  | (47,214) |  |
Commercial representation expenses | (8,799) |  |  | (2,053) |  |  | (2,373) |  |
Expenses associated leasing operations (2) | (4,922) |  |  | (5,329) |  |  | (3,842) |  |
Expenses associated factoring operations | (71) |  |  | (769) |  |  | (784) |  |
Restructuring expenses (3) | (43,156) |  |  | (14,232) |  |  | - |  |
Commercial alliance expenses | (137) |  |  | (696) |  |  | (682) |  |
Lawsuits provision | (555) |  |  | 1,081 |  |  | (1,210) |  |
Retail association payment | (164) |  |  | (162) |  |  | (243) |  |
Bond issuance expenses | - |  |  | (1,157) |  |  | (1,202) |  |
Other | (11,177) |  |  | 11,504 |  |  | (34,667) |  |
Total | (114,739) |  |  | (31,638) |  |  | (106,306) |  |
(1)New Fraud Law became effective on 2020, under which the Bank assumes responsibility against card fraud and electronic transactions. (2)Includes leasing land taxes, which were modified in 2020 (Tax Modernization Law). (3)The Bank has implemented a formal restructuring plan in accordance with IAS 37 Provisions. This restructuring plan is part of the Bank's digital transformation process, which involves changing the operating model of the branch network along with a transition towards a common global structure (Go To Model).

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- Definition The disclosure of other operating expense. [Refer: Other operating income (expense)] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 10 -Subparagraph e -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_10_e&doctype=Standard -URIDate 2024-03-27 + Details
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