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Administrative Expenses

12 Months Ended

Dec. 31, 2024

Fuel and energy expense [abstract]

Administrative Expenses

ADMINISTRATIVE EXPENSES

For the years ended December 31, 2024, 2024 and 2023, the composition of the item is as follows:


			For the years ended December 31,
			2024						2023						2022
			MCh$						MCh$						MCh$
General administrative expenses
Maintenance and repair of property, plant and equipment			(26,478)						(23,720)						(23,411)
Short term leases contracts			(18,558)						(9,712)						(5,503)
Other expenses related to leases contracts			(31)						(87)						(30)
Insurance payments			(5,854)						(4,839)						(5,656)
Office supplies			(4,267)						(5,426)						(6,588)
IT and communication expenses			(99,902)						(83,898)						(85,209)
Heating, and other utilities			(5,652)						(5,388)						(5,514)
Security and valuables transport services			(20,914)						(19,893)						(16,459)
Representation and personnel travel expenses			(2,901)						(3,140)						(2,314)
Judicial and notarial expenses			(1,446)						(1,282)						(911)
Fees for technical reports, assessments and auditing			(8,504)						(6,450)						(8,760)
Fines applied by FMC and other agencies			(15)						(29)						(51)
Other general administrative expenses			(20,787)						(20,708)						(20,631)
Subtotal			(215,309)						(184,572)						(181,037)
Outsourced services
Data processing			(48,017)						(44,677)						(41,714)
Technological development, certification and testing service			(4,290)						(3,629)						(3,197)
Administration and supply of external human resources			(73)						(36)						(21)
Call center for sale, marketing and control quality of client’ services			-						(7)						(15)
External collection services			(294)						(308)						(427)
External ATM administration and maintenance services			(531)						(504)						(525)
External cleaning, casino, custody, storage services			(3,724)						(3,837)						(4,691)
Product sale and distribution services			-						-						(119)
External credit evaluation services			(4,773)						(5,347)						(5,195)
Other			(40,892)						(30,532)						(26,042)
Subtotal			(102,594)						(88,877)						(81,946)
Board expenses			(1,794)						(1,711)						(1,764)
Marketing expenses			(23,262)						(23,555)						(25,984)
Taxes, payroll taxes, and contributions
Real estate taxes			(3,801)						(2,185)						(2,107)
Patents			(2,255)						(2,698)						(2,134)
Other taxes			(1)						(5)						(2)
Contributions to FMC			(17,415)						(16,508)						(15,245)
Subtotal			(23,472)						(21,396)						(19,488)
Total			(366,431)						(320,111)						(310,219)