XML 223 R198.htm IDEA: XBRL DOCUMENT v3.25.0.1
Fees and Commissions (Details) - Commission Income and Expenses by Segment - CLP ($)
$ in Millions
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Disclosure of attribution of expenses by nature to their function [line items]      
Fees for other services rendered $ 75,932 $ 60,823 $ 56,543
Compensation for card operation (156,558) (127,285) (105,695)
Commissions for licence for use brands (7,166) (6,077) (7,360)
Commissions for obligations of loyalty programmes and merits for card customers (123,768) (95,542) (95,946)
Fees and commissions for securities transactions (11,866) (9,115) (8,551)
Interbank services (28,935) (61,136) (47,428)
Total      
Disclosure of attribution of expenses by nature to their function [line items]      
Commissions for prepayments 17,108 14,151 11,348
Commissions of loans with credit lines 49 2,900 233
Commissions for lines of credits and overdrafts 1,968 2,820 8,766
Commissions for guarantees and letters of credit 34,893 34,462 35,935
Commissions for card services 500,292 422,737 352,448
Commissions for management of accounts 73,076 59,538 52,226
Commissions for collections and payments 65,187 60,912 54,060
Commissions for intermediation and management of securities 10,602   10,019
Commissions for brokerage and management of securities   9,487  
Remuneration for insurance brokerage fees 60,528   52,568
Commissions for factoring operations services 1,334 61,511 1,829
Commissions for securitizations 0 1,249 45
Commissions for financial advice 28,378 15,422 9,362
Office banking 22,673 21,495 21,771
Fees for other services rendered 75,932 60,823 56,543
Other fees earned 68,148 81,006 61,910
Total 960,168 848,513 729,063
Compensation for card operation (156,558) (127,285) (105,695)
Commissions for licence for use brands (7,166) (6,077) (7,360)
Commissions for services related to the credit card system and prepaid cards (383) (10,943) (11,458)
Commissions for obligations of loyalty programmes and merits for card customers (123,768) (95,542) (95,946)
Fees and commissions for securities transactions (11,866) (9,115) (8,551)
Office banking (2,715) (2,859) (2,382)
Interbank services (28,935) (61,136) (47,428)
Other fees (81,711) (32,916) (42,974)
Total (413,102) (345,873) (321,794)
Total Net commission income and expenses 547,066 502,640 407,269
Retail      
Disclosure of attribution of expenses by nature to their function [line items]      
Commissions for prepayments 15,554 11,927 9,739
Commissions of loans with credit lines 48 2,876 171
Commissions for lines of credits and overdrafts (52) 1,752 6,979
Commissions for guarantees and letters of credit 9,592 4,277 13,225
Commissions for card services 468,437 358,604 333,053
Commissions for management of accounts 70,392 55,561 49,902
Commissions for collections and payments 100,291 84,327 78,269
Commissions for intermediation and management of securities 276   149
Commissions for brokerage and management of securities   72  
Remuneration for insurance brokerage fees 332   257
Commissions for factoring operations services 467 216 645
Commissions for securitizations 0 126 0
Commissions for financial advice 250 45 (1,818)
Office banking 18,511 16,750 16,748
Fees for other services rendered 59,948 47,397 53,869
Other fees earned 25,786 56,947 51,444
Total 769,832 640,877 612,632
Compensation for card operation (103,805) (106,388) (100,236)
Commissions for licence for use brands (5,833) (5,019) (7,001)
Commissions for services related to the credit card system and prepaid cards (1,136) (15,861) (11,068)
Commissions for obligations of loyalty programmes and merits for card customers (119,968) (92,483) (94,120)
Fees and commissions for securities transactions 0 0 0
Office banking (2,083) (1,265) (2,187)
Interbank services (23,676) (27,056) (40,328)
Other fees (59,137) (8,390) (27,843)
Total (315,638) (256,462) (282,783)
Total Net commission income and expenses 454,194 384,415 329,849
Wealth Management & Insurance      
Disclosure of attribution of expenses by nature to their function [line items]      
Commissions for prepayments 71 46 (2)
Commissions of loans with credit lines 1 12 0
Commissions for lines of credits and overdrafts (2) (8) 8
Commissions for guarantees and letters of credit 43 62 59
Commissions for card services 3,958 3,403 1,650
Commissions for management of accounts 153 92 23
Commissions for collections and payments 772 621 (7,833)
Commissions for intermediation and management of securities 1,926   2,125
Commissions for brokerage and management of securities   1,854  
Remuneration for insurance brokerage fees 61,012   52,804
Commissions for factoring operations services 0 60,414 0
Commissions for securitizations 0 0 0
Commissions for financial advice 84 0 (3)
Office banking 112 1,194 59
Fees for other services rendered 11,475 3,377 73
Other fees earned (10,156) 5,851 4,507
Total 69,449 76,918 53,470
Compensation for card operation (735) (632) (388)
Commissions for licence for use brands (76) (103) (63)
Commissions for services related to the credit card system and prepaid cards (29) (327) (125)
Commissions for obligations of loyalty programmes and merits for card customers (2,400) (1,833) (1,825)
Fees and commissions for securities transactions 0 0 0
Office banking 0 (1,540) 0
Interbank services 0 (32,935) 0
Other fees (43,026) (19,086) (18,059)
Total (46,266) (56,456) (20,460)
Total Net commission income and expenses 23,183 20,462 33,010
Middle-market      
Disclosure of attribution of expenses by nature to their function [line items]      
Commissions for prepayments 925 1,802 563
Commissions of loans with credit lines 0 9 0
Commissions for lines of credits and overdrafts (177) (570) (784)
Commissions for guarantees and letters of credit 13,859 18,193 12,039
Commissions for card services 18,334 33,098 8,872
Commissions for management of accounts 1,924 3,074 1,422
Commissions for collections and payments 6,220 9,332 4,777
Commissions for intermediation and management of securities 409   251
Commissions for brokerage and management of securities   598  
Remuneration for insurance brokerage fees 107   (292)
Commissions for factoring operations services 291 50 325
Commissions for securitizations 0 565 0
Commissions for financial advice 13,223 5,250 3,354
Office banking 2,690 2,578 1,625
Fees for other services rendered 3,452 7,295 1,538
Other fees earned (1,201) 15,204 2,996
Total 60,056 96,478 36,686
Compensation for card operation (9,326) (16,346) (3,467)
Commissions for licence for use brands (727) (899) (234)
Commissions for services related to the credit card system and prepaid cards (43) (584) (229)
Commissions for obligations of loyalty programmes and merits for card customers 0 (990) 0
Fees and commissions for securities transactions 0 0 0
Office banking (483) (1,026) 18
Interbank services (2,956) (21,939) (2,865)
Other fees (2,567) (17,300) (1,025)
Total (16,102) (59,084) (7,802)
Total Net commission income and expenses 43,954 37,394 28,884
CIB      
Disclosure of attribution of expenses by nature to their function [line items]      
Commissions for prepayments 897 123 11
Commissions of loans with credit lines 0 0 0
Commissions for lines of credits and overdrafts 1,844 1,667 2,556
Commissions for guarantees and letters of credit 11,667 11,014 10,036
Commissions for card services 5,970 27,394 8,779
Commissions for management of accounts 1,159 804 845
Commissions for collections and payments 7,932 8,115 8,052
Commissions for intermediation and management of securities 6,877   6,874
Commissions for brokerage and management of securities   6,830  
Remuneration for insurance brokerage fees 0   1
Commissions for factoring operations services 576 1 761
Commissions for securitizations 0 549 45
Commissions for financial advice 15,114 3,980 3,916
Office banking 1,359 1,140 3,338
Fees for other services rendered 1,055 3,225 3,502
Other fees earned 14,443 3,632 2,895
Total 68,893 68,474 51,611
Compensation for card operation (4,369) (3,620) (1,418)
Commissions for licence for use brands (324) (38) (51)
Commissions for services related to the credit card system and prepaid cards (6) (62) (36)
Commissions for obligations of loyalty programmes and merits for card customers 0 0 (1)
Fees and commissions for securities transactions (3,956) (7,426) (6,186)
Office banking (148) (242) (213)
Interbank services (2,303) (5,172) (4,235)
Other fees (2,886) (2,121) (1,667)
Total (13,992) (18,681) (13,807)
Total Net commission income and expenses 54,901 49,793 37,804
Corporate activity and others      
Disclosure of attribution of expenses by nature to their function [line items]      
Commissions for prepayments (339) 253 1,037
Commissions of loans with credit lines 0 3 62
Commissions for lines of credits and overdrafts 355 (21) 7
Commissions for guarantees and letters of credit (268) 916 576
Commissions for card services 3,593 238 94
Commissions for management of accounts (552) 7 34
Commissions for collections and payments (50,028) (41,483) (29,205)
Commissions for intermediation and management of securities 1,114   620
Commissions for brokerage and management of securities   133  
Remuneration for insurance brokerage fees (923)   (202)
Commissions for factoring operations services 0 830 98
Commissions for securitizations 0 9 0
Commissions for financial advice (293) 6,147 3,913
Office banking 1 (167) 1
Fees for other services rendered 2 (471) (2,439)
Other fees earned 39,276 (628) 68
Total (8,062) (34,234) (25,336)
Compensation for card operation (38,323) (299) (186)
Commissions for licence for use brands (206) (18) (11)
Commissions for services related to the credit card system and prepaid cards 831 5,891 0
Commissions for obligations of loyalty programmes and merits for card customers (1,400) (236) 0
Fees and commissions for securities transactions (7,910) (1,689) (2,365)
Office banking (1) 1,214
Interbank services 0 25,966 0
Other fees 25,905 13,981 5,620
Total (21,104) 44,810 3,058
Total Net commission income and expenses (29,166) 10,576 (22,278)
Transferred over time      
Disclosure of attribution of expenses by nature to their function [line items]      
Commissions for prepayments 0 0 0
Commissions of loans with credit lines 0 0 0
Commissions for lines of credits and overdrafts 741 2,820 8,766
Commissions for guarantees and letters of credit 34,017 34,462 35,935
Commissions for card services 83,763 84,547 71,904
Commissions for management of accounts 67,506 59,538 46,054
Commissions for collections and payments 0 0
Commissions for intermediation and management of securities 0   0
Commissions for brokerage and management of securities   0  
Remuneration for insurance brokerage fees 0   0
Commissions for factoring operations services 0 0 0
Commissions for securitizations 0 0 0
Commissions for financial advice 0 0 0
Office banking 0 21,495 21,771
Fees for other services rendered 0 0 0
Other fees earned 0 0 0
Total 186,027 202,862 184,430
Compensation for card operation 0 0 (12,505)
Commissions for licence for use brands 0 0 (5,500)
Commissions for services related to the credit card system and prepaid cards 0 0 (11,458)
Commissions for obligations of loyalty programmes and merits for card customers 0 0 (85,412)
Fees and commissions for securities transactions 0 0
Office banking 0 (2,859) (2,382)
Interbank services 0 0 0
Other fees 0 0 0
Total 0 (2,859) (117,257)
Total Net commission income and expenses 186,027 200,003 67,173
Transferred at a point in time      
Disclosure of attribution of expenses by nature to their function [line items]      
Commissions for prepayments 17,108 14,151 11,348
Commissions of loans with credit lines 49 2,900 233
Commissions for lines of credits and overdrafts 1,227 0 0
Commissions for guarantees and letters of credit 876 0 0
Commissions for card services 416,529 338,190 280,544
Commissions for management of accounts 5,570 0 6,172
Commissions for collections and payments 43,618 36,547 38,065
Commissions for intermediation and management of securities 10,602   10,019
Commissions for brokerage and management of securities   9,487  
Remuneration for insurance brokerage fees 0   0
Commissions for factoring operations services 1,334 61,511 1,829
Commissions for securitizations 0 1,249 45
Commissions for financial advice 28,378 15,422 9,362
Office banking 22,673 0 0
Fees for other services rendered 75,932 60,823 56,543
Other fees earned 68,148 81,006 61,910
Total 692,044 621,286 476,070
Compensation for card operation (156,558) (127,285) (93,190)
Commissions for licence for use brands (7,166) (6,077) (1,860)
Commissions for services related to the credit card system and prepaid cards (383) (10,943) 0
Commissions for obligations of loyalty programmes and merits for card customers (123,768) (57,325) (10,534)
Fees and commissions for securities transactions (11,866) (9,115) (8,551)
Office banking (2,715) 0
Interbank services (28,935) (61,136) (47,428)
Other fees (81,711) (32,916) (42,974)
Total (413,102) (304,797) (204,537)
Total Net commission income and expenses 278,942 316,489 271,533
Accrual model      
Disclosure of attribution of expenses by nature to their function [line items]      
Commissions for prepayments 0 0 0
Commissions of loans with credit lines 0 0 0
Commissions for lines of credits and overdrafts 0 0 0
Commissions for guarantees and letters of credit 0 0 0
Commissions for card services 0 0 0
Commissions for management of accounts 0 0 0
Commissions for collections and payments 21,569 24,365 15,995
Commissions for intermediation and management of securities 0   0
Commissions for brokerage and management of securities   0  
Remuneration for insurance brokerage fees 60,528   52,568
Commissions for factoring operations services 0 0 0
Commissions for securitizations 0 0 0
Commissions for financial advice 0 0 0
Office banking 0 0 0
Fees for other services rendered 0 0 0
Other fees earned 0 0 0
Total 82,097 24,365 68,563
Compensation for card operation 0 0 0
Commissions for licence for use brands 0 0 0
Commissions for services related to the credit card system and prepaid cards 0 0 0
Commissions for obligations of loyalty programmes and merits for card customers 0 (38,217)
Fees and commissions for securities transactions 0 0 0
Office banking 0 0 0
Interbank services 0 0 0
Other fees 0 0 0
Total 0 (38,217) 0
Total Net commission income and expenses $ 82,097 $ (13,852) $ 68,563