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Financial Assets at Amortised Cost (Tables)

12 Months Ended

Dec. 31, 2024

Financial Assets at Amortised Cost [Abstract]

Schedule of Interbank Loans and Loans and Account Receivable from Customers

As of December 31, 2024 and 2023 the composition and balances are as follows:

						As of December 31,
						2024						2023
						MCh$						MCh$
Rights under repurchase agreements
Transactions with other domestic entities						153,087						–
Subtotal						153,087						–
Debt financial instruments
Chilean Central Bank and Government instruments						4,852,552						8,178,624
Foreign debt financial instruments						324,527						–
Expected credit loss allowance						(1,074)						(1,729)
Subtotal						5,176,005						8,176,895
Interbank loans
Foreign banks						31,282						68,438
Subtotal						31,282						68,438
Loans and account receivable from customers
Commercial loans						17,135,751						17,412,063
Mortgage loans						17,333,399						16,857,306
Consumer loans						5,630,722						5,324,088
Subtotal						40,099,872						39,593,457
Total						45,460,246						47,838,790

Schedule of Debt Instruments at Amortized Cost

The detail of the instruments classified as Debt instruments at amortised cost is as follows:

						As of December 31,
						2024						2023
						MCh$						MCh$
Chilean Central Bank and Government securities
Chilean Central Bank financial instruments						-						3,392,609
Chilean Treasury bonds and notes						4,852,552						4,786,015
Other Chilean government financial instruments						-						-
Subtotal						4,852,552						8,178,624
Foreign debt financial instruments
Other foreign debt financial instruments						324,527						-
Subtotal						324,527						-
Expected credit loss allowance						(1,074)						(1,729)
Total						5,176,005						8,176,895

Schedule of Amortized Value and the Corresponding ECL

The changes in the amortized value and the corresponding ECL as of December 31, 2024 is as follows:

			Stage1						Stage2						Stage3						TOTAL
Gross carrying amount at January 1, 2024			8,178,624						-						-						8,178,624
New financial assets purchased			5,945,707						-						-						5,945,707
Transfers to stage 1			-						-						-						-
Transfers to stage 2			-						-						-						-
Transfers to stage 3			-						-						-						-
Assets derecognised or matured (excluding write-off)			(7,670,448)						-						-						(7,670,448)
Changes due to modifications not derecognised			(1,276,804)						-						-						(1,276,804)
Other adjustments			-						-						-						-
At December 31, 2024			5,177,079						-						-						5,177,079

			Stage1						Stage2						Stage3						TOTAL
ECL at January 1, 2024			1,729						-						-						1,729
New financial assets purchased			1,256						-						-						1,256
Transfers to stage 1			-						-						-						-
Transfers to stage 2			-						-						-						-
Transfers to stage 3			-						-						-						-
Assets derecognised or matured (excluding write-off)			(1,621)						-						-						(1,621)
Changes due to modifications not derecognised			(290)						-						-						(290)
Write-off			-						-						-						-
Other adjustments			-						-						-						-
At December 31, 2024			1,074						-						-						1,074

The changes in the amortized value and the corresponding ECL as of December 31, 2023 is as follows:

			Stage1						Stage2						Stage3						TOTAL
Gross carrying amount at January 1, 2023			4,868,485						-						-						4,868,485
New financial assets purchased			3,342,572						-						-						3,342,572
Transfers to stage 1			-						-						-						-
Transfers to stage 2			-						-						-						-
Transfers to stage 3			-						-						-						-
Assets derecognised or matured (excluding write-off)			(96,900)						-						-						(96,900)
Changes due to modifications not derecognised			64,467						-						-						64,467
Other adjustments			-						-						-						-
At December 31, 2023			8,178,624						-						-						8,178,624

			Stage1						Stage2						Stage3						TOTAL
ECL at January 1, 2023			894						-						-						894
New financial assets purchased			706						-						-						706
Transfers to stage 1			-						-						-						-
Transfers to stage 2			-						-						-						-
Transfers to stage 3			-						-						-						-
Assets derecognised or matured (excluding write-off)			(22)						-						-						(22)
Changes due to modifications not derecognised			151						-						-						151
Write-off			-						-						-						-
Other adjustments			-						-						-						-
At December 31, 2023			1,729						-						-						1,729

Schedule of Interbank Loans and Loans and Account Receivable from Customers

Interbank Loans and Loans and account receivable from customers

			Assets before allowances																								ECL allowance
As of December 31, 2024			Stage 1						Stage 2						Stage 3						Total						Stage 1						Stage 2						Stage 3						Total						Net Assets
			MCh$						MCh$						MCh$						MCh$						MCh$						MCh$						MCh$						MCh$						MCh$
Interbank loans
Foreign banks			31,283						-						-						31,283						1						-						-						1						31,282
Subtotal			31,283						-						-						31,283						1						-						-						1						31,282
Commercial loans
Commercial loans			11,129,607						1,128,481						1,111,355						13,369,443						61,045						57,949						460,787						579,781						12,789,662
Foreign trade loans			1,853,953						41,055						34,914						1,929,922						3,546						1,201						23,828						28,575						1,901,347
Checking accounts debtors			108,187						12,510						9,597						130,294						850						567						5,658						7,075						123,219
Credit card debtors			112,291						20,462						10,976						143,729						1,044						1,864						6,265						9,173						134,556
Factoring transactions			1,034,642						2,547						8,359						1,045,548						373						26						3,807						4,206						1,041,342
Leasing transactions			905,745						121,789						49,982						1,077,516						4,480						8,260						24,171						36,911						1,040,605
Student loans			21,301						7,421						9,524						38,246						584						1,339						6,650						8,573						29,673
Other loans and accounts receivable			66,371						5,951						14,134						86,456						1,384						950						8,775						11,109						75,347
Subtotal			15,232,097						1,340,216						1,248,841						17,821,154						73,306						72,156						539,941						685,403						17,135,751
Mortgage loans
Loans with mortgage finance bonds			3						1						29						33						-						-						9						9						24
Endorsable mortgage mutual loans			322						91						41						454						1						3						8						12						442
Mortgage mutual financed with mortgage bonds			71,502						10,885						3,264						85,651						36						315						741						1,092						84,559
Other mortgage mutual loans			14,632,127						1,923,310						840,641						17,396,078						10,260						59,668						153,442						223,370						17,172,708
Other credit and account receivable			58,702						10,645						8,206						77,553						50						344						1,493						1,887						75,666
Subtotal			14,762,656						1,944,932						852,181						17,559,769						10,347						60,330						155,693						226,370						17,333,399
Consumer loans
Installment consumer loans			3,147,747						367,464						268,241						3,783,452						50,597						65,998						119,522						236,117						3,547,335
Checking account debtors			110,061						27,794						7,675						145,530						3,732						8,661						2,455						14,848						130,682
Credit card debtors			1,668,650						284,344						27,686						1,980,680						4,314						12,919						12,588						29,821						1,950,859
Leasing transactions			1,524						68						20						1,612						21						6						9						36						1,576
Other consumer loans			102						86						176						364						15						25						54						94						270
Subtotal			4,928,084						679,756						303,798						5,911,638						58,679						87,609						134,628						280,916						5,630,722
Total			34,954,120						3,964,904						2,404,820						41,323,844						142,333						220,095						830,262						1,192,690						40,131,154

Schedule of Gross Carrying Amount Expected Credit Loss Loans to Consumers

The changes in the gross carrying amount and the corresponding ECL allowance as of December 31, 2024, is as follows:

Commercial loans			Stage 1						Stage 2						Stage 3						TOTAL
			MCh$						MCh$						MCh$						MCh$
Gross carrying amount at January 1, 2024			105,382						-						-						105,382
New financial assets originated			36,909																		36,909
Transfers to stage 1			-						-						-						-
Transfers to stage 2			-						-						-						-
Transfers to stage 3			-						-						-						-
Assets derecognised or matured (excluding write-off)			(89,808)						-						-						(89,808)
Changes in measument of financial assets			3,663						-						-						3,663
Write-off			-						-						-						-
Other adjustments			-						-						-						-
At December 31, 2024			56,146						-						-						56,146

NOTE 06 – FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME, continued

Commercial loans			Stage 1						Stage 2						Stage 3						TOTAL
			MCh$						MCh$						MCh$						MCh$
ECL allowance at January 1, 2024			125						-						-						125
New financial assets originated			148																		148
Transfers to stage 1			-						-						-						-
Transfers to stage 2			-						-						-						-
Transfers to stage 3			-						-						-						-
Assets derecognised or matured (excluding write-off)			(29)						-						-						(29)
Changes due to changes un credit risk			897						-						-						897
Write-off			-						-						-						-
Other adjustments			-						-						-						-
At December 31, 2024			1,141						-						-						1,141

Mortgage loans			Stage 1						Stage 2						Stage 3						TOTAL
			MCh$						MCh$						MCh$						MCh$
Gross carrying amount at January 1, 2024			-						-						-						-
New financial assets originated			21,060																		21,060
Transfers to stage 1			-						-						-						-
Transfers to stage 2			-						-						-						-
Transfers to stage 3			-						-						-						-
Assets derecognised or matured (excluding write-off)			-						-						-						-
Changes in measument of financial assets			(1,139)						-						-						(1,139)
Write-off			-						-						-						-
Other adjustments			-						-						-						-
At December 31, 2024			19,921						-						-						19,921

Mortgage loans			Stage 1						Stage 2						Stage 3						TOTAL
			MCh$						MCh$						MCh$						MCh$
ECL allowance at January 1, 2024			-						-						-						-
New financial assets originated			22						-						-						22
Transfers to stage 1			-						-						-						-
Transfers to stage 2			-						-						-						-
Transfers to stage 3			-						-						-						-
Assets derecognised or matured (excluding write-off)			-						-						-						-
Changes due to changes un credit risk			1						-						-						1
Write-off			-						-						-						-
Other adjustments			-						-						-						-
At December 31, 2024			23						-						-						23

NOTE 06 – FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME, continued

The changes in the gross carrying amount and the corresponding ECL allowance as of December 31, 2023, is as follows:

			Stage1						Stage2						Stage3						TOTAL
			MCh$						MCh$						MCh$						MCh$
Gross carrying amount at January 1, 2023			142,632						-						-						142,632
New financial assets originated			85,533																		85,533
Transfers to stage 1			-						-						-						-
Transfers to stage 2			-						-						-						-
Transfers to stage 3			-						-						-						-
Assets derecognised or matured (excluding write-off)			(138,700)						-						-						(138,700)
Changes in measument of financial assets			15,917						-						-						15,917
Write-off			-						-						-						-
Other adjustments			-						-						-						-
At December 31, 2023			105,382						-						-						105,382

			Stage 1						Stage 2						Stage 3						TOTAL
			MCh$						MCh$						MCh$						MCh$
ECL allowance at January 1, 2023			326						-						-						326
New financial assets originated			162																		162
Transfers to stage 1			-						-						-						-
Transfers to stage 2			-						-						-						-
Transfers to stage 3			-						-						-						-
Assets derecognised or matured (excluding write-off)			(313)						-						-						(313)
Changes due to changes un credit risk			(50)						-						-						(50)
Write-off			-						-						-						-
Other adjustments			-						-						-						-
At December 31, 2023			125						-						-						125

The changes in the gross carrying amount and the corresponding ECL allowance as of December 31, 2024, is as follows:

			Stage 1												Stage 2												Stage 3
			Corporate						Other commercial						Corporate						Other commercial						Corporate						Other commercial						TOTAL
			MCh$						MCh$						MCh$						MCh$						MCh$						MCh$						MCh$
Gross carrying amount at January 1, 2024			68,440						-						-						-						-						-						68,440
Transfers:
Transfers from stage 1 to stage 2			-						-						-						-						-						-						-
Transfers from stage 1 to stage 3			-						-						-						-						-						-						-
Transfers from stage 2 to stage 3			-						-						-						-						-						-						-
Transfers from stage 2 to stage 1			-						-						-						-						-						-						-
Transfers from stage 3 to stage 2			-						-						-						-						-						-						-
Transfers from stage 3 to stage 1			-						-						-						-						-						-						-
Net changes of financial assets			(37,704)						-						-						-						-						-						(37,704)
Write-off			-						-						-						-						-						-						-
Other adjustments			547						-						-						-						-						-						547
At December 31, 2024			31,283						-						-						-						-						-						31,283

			Stage 1												Stage 2												Stage 3
			Corporate						Other commercial						Corporate						Other commercial						Corporate						Other commercial						TOTAL
			MCh$						MCh$						MCh$						MCh$						MCh$						MCh$						MCh$
ECL allowance at January 1, 2024			2						-						-						-						-						-						2
Transfers
Transfers from stage 1 to stage 2			-						-						-						-						-						-						-
Transfers from stage 1 to stage 3			-						-						-						-						-						-						-
Transfers from stage 2 to stage 3			-						-						-						-						-						-						-
Transfers from stage 2 to stage 1			-						-						-						-						-						-						-
Transfers from stage 3 to stage 2			-						-						-						-						-						-						-
Transfers from stage 3 to stage 1			-						-						-						-						-						-						-
Net changes of the exposure and modifications in credit risk			(1)						-						-						-						-						-						(1)
Write-off			-						-						-						-						-						-						-
Other adjustments			-						-						-						-						-						-						-
At December 31, 2024			1						-						-						-						-						-						1

NOTE 08 - FINANCIAL ASSETS AT AMORTISED COST, continued

The changes in the gross carrying amount and the corresponding ECL allowance as of December 31, 2023, is as follows:

			Stage 1												Stage 2												Stage 3
			Corporate						Other commercial						Corporate						Other commercial						Corporate						Other commercial						TOTAL
			MCh$						MCh$						MCh$						MCh$						MCh$						MCh$						MCh$
Gross carrying amount at January 1, 2023			32,991						-						-						-						-						-						32,991
Transfers:
Transfers from stage 1 to stage 2			-						-						-						-						-						-						-
Transfers from stage 1 to stage 3			-						-						-						-						-						-						-
Transfers from stage 2 to stage 3			-						-						-						-						-						-						-
Transfers from stage 2 to stage 1			-						-						-						-						-						-						-
Transfers from stage 3 to stage 2			-						-						-						-						-						-						-
Transfers from stage 3 to stage 1			-						-						-						-						-						-						-
Net changes of financial assets			35,495						-						-						-						-						-						35,495
Write-off			-						-						-						-						-						-						-
Other adjustments			(46)						-						-						-						-						-						(46)
At December 31, 2023			68,440						-						-						-						-						-						68,440

			Stage 1												Stage 2												Stage 3
			Corporate						Other commercial						Corporate						Other commercial						Corporate						Other commercial						TOTAL
			MCh$						MCh$						MCh$						MCh$						MCh$						MCh$						MCh$
ECL allowance at January 1, 2023			1						-						-						-						-						-						1
Transfers
Transfers from stage 1 to stage 2			-						-						-						-						-						-						-
Transfers from stage 1 to stage 3			-						-						-						-						-						-						-
Transfers from stage 2 to stage 3			-						-						-						-						-						-						-
Transfers from stage 2 to stage 1			-						-						-						-						-						-						-
Transfers from stage 3 to stage 2			-						-						-						-						-						-						-
Transfers from stage 3 to stage 1			-						-						-						-						-						-						-
Net changes of the exposure and modifications in credit risk			1						-						-						-						-						-						1
Write-off			-						-						-						-						-						-						-
Other adjustments			-						-						-						-						-						-						-
At December 31, 2023			2						-						-						-						-						-						2

The changes in the gross carrying amount and the corresponding ECL allowance as of December 31, 2024, is as follows:

			Stage 1												Stage 2												Stage 3
			Corporate						Other commercial						Corporate						Other commercial						Corporate						Other commercial						TOTAL
			MCh$						MCh$						MCh$						MCh$						MCh$						MCh$						MCh$
Gross carrying amount at January 1, 2024			11,174,092						4,375,334						866,764						486,303						722,900						446,264						18,071,657
Transfers:
Transfers from stage 1 to stage 2			(535,745)						(1,108,548)						535,745						1,108,548						-						-						-
Transfers from stage 1 to stage 3			(1,674)						(24,780)						0						0						1,674						24,780						-
Transfers from stage 2 to stage 3			-						-						(162,278)						(328,832)						162,278						328,832						-
Transfers from stage 2 to stage 1			238,276						802,344						(238,276)						(802,344)						-						-						-
Transfers from stage 3 to stage 2			-						-						15,818						161,388						(15,818)						(161,388)						-
Transfers from stage 3 to stage 1			-						(4,471)						-						-						-						4,471						-
Net changes of financial assets			356						326,487						(195,131)						(117,497)						2,469						(30,580)						(13,896)
Write-off			-						-						-						-						(113,299)						(124,000)						(237,299)
Other adjustments			35,381						(44,955)						(10,178)						20,186						(950)						1,208						692
At December 31, 2024			10,910,686						4,321,411						812,464						527,752						759,254						489,587						17,821,154

			Stage 1												Stage 2												Stage 3*
			Corporate						Other commercial						Corporate						Other commercial						Corporate						Other commercial						TOTAL
			MCh$						MCh$						MCh$						MCh$						MCh$						MCh$						MCh$
ECL allowance at January 1, 2024			23,668						37,913						35,714						31,921						343,056						187,322						659,594
Transfers
Transfers from stage 1 to stage 2			(3,579)						(27,395)						11,418						90,547						-						-						70,991
Transfers from stage 1 to stage 3			(8)						(1,102)						0						0						212						4,967						4,069
Transfers from stage 2 to stage 3			-						-						(11,419)						(46,020)						54,694						102,745						100,000
Transfers from stage 2 to stage 1			1,261						8,777						(6,304)						(48,605)						-						-						(44,871)
Transfers from stage 3 to stage 2			-						-						3,132						15,908						(5,738)						(33,554)						(20,252)
Transfers from stage 3 to stage 1			-						(341)						-						-						-						1,538						1,197
Net changes of the exposure and modifications in credit risk			6,539						29,205						5,347						(9,481)						78,060						43,907						153,577
Write-off			-						-						-						-						(113,299)						(124,000)						(237,299)
Other adjustments			(1,617)						(15)						(566)						564						(162)						193						(1,603)
At December 31, 2024			26,264						47,042						37,322						34,834						356,823						183,118						685,403

*ECL allowance of corporate loans in stage 3, includes MCh$165,935 from cash flow discounted methodology.

NOTE 08 - FINANCIAL ASSETS AT AMORTISED COST, continued

The changes in the gross carrying amount and the corresponding ECL allowance as of December 31, 2023, is as follows:

			Stage 1												Stage 2												Stage 3
			Corporate						Other commercial						Corporate						Other commercial						Corporate						Other commercial						TOTAL
			MCh$						MCh$						MCh$						MCh$						MCh$						MCh$						MCh$
Gross carrying amount at January 1, 2023			10,885,781						4,258,677						1,192,595						229,571						683,368						434,597						17,684,589
Transfers:
Transfers from stage 1 to stage 2			(520,813)						(732,573)						520,813						732,573						-						-						-
Transfers from stage 1 to stage 3			(4,278)						(40,314)						-						-						4,278						40,314						-
Transfers from stage 2 to stage 3			-						-						(228,472)						(236,712)						228,472						236,712						-
Transfers from stage 2 to stage 1			505,152						353,714						(505,152)						(353,714)						-						-						-
Transfers from stage 3 to stage 2			-						-						93,978						144,542						(93,978)						(144,542)						-
Transfers from stage 3 to stage 1			44						10,951						-						-						(44)						(10,951)						-
Net changes of financial assets			297,075						528,353						(206,999)						(30,373)						(34,094)						(26,215)						527,747
Write-off			-						-						-						-						(65,102)						(82,530)						(147,632)
Other adjustments			11,131						(3,474)						1						416						-						(1,121)						6,953
At December 31, 2023			11,174,092						4,375,334						866,764						486,303						722,900						446,264						18,071,657

			Stage 1												Stage 2												Stage 3*
			Corporate						Other commercial						Corporate						Other commercial						Corporate						Other commercial						TOTAL
			MCh$						MCh$						MCh$						MCh$						MCh$						MCh$						MCh$
ECL allowance at January 1, 2023			38,718						44,535						61,094						30,262						285,762						201,195						661,566
Transfers
Transfers from stage 1 to stage 2			(4,221)						(26,250)						11,509						81,669						-						-						62,707
Transfers from stage 1 to stage 3			(23)						(1,759)						-						-						1,723						6,896						6,837
Transfers from stage 2 to stage 3			-						-						(19,808)						(40,855)						88,874						66,626						94,837
Transfers from stage 2 to stage 1			6,715						7,286						(16,407)						(50,448)						-						-						(52,854)
Transfers from stage 3 to stage 2			-						-						12,317						24,741						(19,752)						(37,198)						(19,892)
Transfers from stage 3 to stage 1			-						131						-						-						(12)						(1,209)						(1,090)
Net changes of the exposure and modifications in credit risk			(17,720)						17,065						(12,984)						(13,112)						51,564						37,059						61,872
Write-off			-						-						-						-						(65,102)						(82,530)						(147,632)
Other adjustments			199						(3,095)						(7)						(336)						(1)						(3,517)						(6,757)
At December 31, 2023			23,668						37,913						35,714						31,921						343,056						187,322						659,594

*ECL allowance of corporate loans in stage 3, includes MCh$155,903 from cash flow discounted methodology.

The changes in the gross carrying amount and the corresponding ECL allowance as of December 31, 2024, is as follows:

			Stage1						Stage2						Stage3						TOTAL
			MCh$						MCh$						MCh$						MCh$
Gross carrying amount at January 1, 2024			14,635,723						1,713,185						724,531						17,073,439
Transfers:
Transfers from stage 1 to stage 2			(3,369,333)						3,369,333						-						-
Transfers from stage 1 to stage 3			(35,377)						-						35,377						-
Transfers from stage 2 to stage 3			-						(628,525)						628,525						-
Transfers from stage 2 to stage 1			2,873,839						(2,873,839)						-						-
Transfers from stage 3 to stage 2			-						476,841						(476,841)						-
Transfers from stage 3 to stage 1			-						-						-						-
Net changes of financial assets			654,681						(112,062)						(15,611)						527,008
Write-off			-						-						(43,800)						(43,800)
Other adjustments			3,123						(1)						-						3,122
At December 31, 2024			14,762,656						1,944,932						852,181						17,559,769

			Stage 1						Stage 2						Stage 3						TOTAL
			MCh$						MCh$						MCh$						MCh$
ECL allowance at January 1, 2024			8,651						53,371						154,111						216,133
Transfers
Transfers from stage 1 to stage 2			(6,317)						82,155						-						75,838
Transfers from stage 1 to stage 3			(152)						-						2,088						1,936
Transfers from stage 2 to stage 3			-						(31,271)						69,241						37,970
Transfers from stage 2 to stage 1			6,727						(72,900)						-						(66,173)
Transfers from stage 3 to stage 2			-						39,601						(82,961)						(43,360)
Transfers from stage 3 to stage 1			-						-						-						-
Net changes of the exposure and modifications in credit risk			1,438						(10,626)						57,014						47,826
Write-off			-						-						(43,800)						(43,800)
Other adjustments			-						-						-						-
At December 31, 2024			10,347						60,330						155,693						226,370

NOTE 08 - FINANCIAL ASSETS AT AMORTISED COST, continued

The changes in the gross carrying amount and the corresponding ECL allowance as of December 31, 2023, is as follows:

			Stage 1						Stage 2						Stage 3						TOTAL
			MCh$						MCh$						MCh$						MCh$
Gross carrying amount at January 1, 2023			14,672,080						367,467						689,462						15,729,009
Transfers:
Transfers from stage 1 to stage 2			(2,265,541)						2,265,541						-						-
Transfers from stage 1 to stage 3			(108,610)						-						108,610						-
Transfers from stage 2 to stage 3			-						(397,175)						397,175						-
Transfers from stage 2 to stage 1			936,562						(936,562)						-						-
Transfers from stage 3 to stage 2			-						419,626						(419,626)						-
Transfers from stage 3 to stage 1			20,596												(20,596)						-
Net changes of financial assets			1,377,161						(5,294)						7,851						1,379,718
Write-off			-												(38,193)						(38,193)
Other adjustments			3,475						(418)						(152)						2,905
At December 31, 2023			14,635,723						1,713,185						724,531						17,073,439

			Stage 1						Stage 2						Stage 3						TOTAL
			MCh$						MCh$						MCh$						MCh$
ECL allowance at January 1, 2023			19,388						10,462						132,906						162,756
Transfers
Transfers from stage 1 to stage 2			(12,382)						58,302						-						45,920
Transfers from stage 1 to stage 3			(848)						-						6,813						5,965
Transfers from stage 2 to stage 3			-						(18,422)						35,303						16,881
Transfers from stage 2 to stage 1			6,893						(57,982)						-						(51,089)
Transfers from stage 3 to stage 2			-						58,566						(71,378)						(12,812)
Transfers from stage 3 to stage 1			135						-						(1,414)						(1,279)
Net changes of the exposure and modifications in credit risk			(4,536)						2,490						90,071						88,025
Write-off			-						-						(38,193)						(38,193)
Other adjustments			1						(45)						3						(41)
At December 31, 2023			8,651						53,371						154,111						216,133

The changes in the gross carrying amount and the corresponding ECL allowance as of December 31, 2024, is as follows:

			Stage 1						Stage 2						Stage 3						TOTAL
			MCh$						MCh$						MCh$						MCh$
Gross carrying amount at January 1, 2024			4,512,156						790,276						295,918						5,598,350
Transfers:
Transfers from stage 1 to stage 2			(1,598,648)						1,598,648						-						-
Transfers from stage 1 to stage 3			(13,378)						-						13,378						-
Transfers from stage 2 to stage 3			-						(407,231)						407,231						-
Transfers from stage 2 to stage 1			1,120,827						(1,120,827)						-						-
Transfers from stage 3 to stage 2			-						56,750						(56,750)						-
Transfers from stage 3 to stage 1			(55,724)						-						55,724						-
Net changes of financial assets			962,821						(237,880)						(58,336)						666,605
Write-off			-						-						(353,290)						(353,290)
Other adjustments			30						20						(77)						(27)
At December 31, 2024			4,928,084						679,756						303,798						5,911,638

			Stage 1						Stage 2						Stage 3						TOTAL
			MCh$						MCh$						MCh$						MCh$
ECL allowance at January 1, 2024			57,429						83,897						132,936						274,262
Transfers:
Transfers from stage 1 to stage 2			(35,872)						147,854						-						111,982
Transfers from stage 1 to stage 3			(1,120)						-						2,084						964
Transfers from stage 2 to stage 3			-						(124,939)						176,595						51,656
Transfers from stage 2 to stage 1			14,080						(70,567)						-						(56,487)
Transfers from stage 3 to stage 2			-						13,209						(27,238)						(14,029)
Transfers from stage 3 to stage 1			(5,053)						-						16,613						11,560
Net changes of the exposure and modifications in the credit risk			29,215						38,155						186,928						254,298
Write-off			-						-						(353,290)						(353,290)
Other adjustments			-						-						-						-
At December 31, 2024			58,679						87,609						134,628						280,916

The changes in the gross carrying amount and the corresponding ECL allowance as of December 31, 2023, is as follows:

			Stage1						Stage2						Stage3						TOTAL
			MCh$						MCh$						MCh$						MCh$
Gross carrying amount at January 1, 2023			4,826,096						217,866						238,850						5,282,812
Transfers:
Transfers from stage 1 to stage 2			(1,189,650)						1,189,650						-						-
Transfers from stage 1 to stage 3			(61,922)						-						61,922						-
Transfers from stage 2 to stage 3			-						(376,383)						376,383						-
Transfers from stage 2 to stage 1			282,491						(282,491)						-						-
Transfers from stage 3 to stage 2			-						82,015						(82,015)						-
Transfers from stage 3 to stage 1			3,629						-						(3,629)						-
Net changes of financial assets			651,516						(40,384)						(24,502)						586,630
Write-off			-						-						(271,123)						(271,123)
Other adjustments			(4)						3						32						31
At December 31, 2023			4,512,156						790,276						295,918						5,598,350

NOTE 08 - FINANCIAL ASSETS AT AMORTISED COST, continued

			Stage 1						Stage 2						Stage 3						TOTAL
			MCh$						MCh$						MCh$						MCh$
ECL allowance at January 1, 2023			94,203						73,973						160,768						328,944
Transfers:
Transfers from stage 1 to stage 2			(89,169)						198,290						-						109,121
Transfers from stage 1 to stage 3			(3,917)						-						9,723						5,806
Transfers from stage 2 to stage 3			-						(155,653)						225,902						70,249
Transfers from stage 2 to stage 1			15,328						(78,238)						-						(62,910)
Transfers from stage 3 to stage 2			-						33,946						(56,076)						(22,130)
Transfers from stage 3 to stage 1			521						-						(2,003)						(1,482)
Net changes of the exposure and modifications in the credit risk			40,463						11,580						65,730						117,773
Write-off			-						-						(271,123)						(271,123)
Other adjustments			-						(1)						15						14
At December 31, 2023			57,429						83,897						132,936						274,262

X

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