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Fees and Commissions (Tables)
 12 Months Ended
Dec. 31, 2024
Fees and Commissions [Abstract]  
Schedule of Fees and Commission Income
This item includes the amount of fees earned and paid during the year, except for those which are an integral part of the financial instrument’s effective interest rate:
For the years ended December 31,
Fee and commission income202420232022
MCh$MCh$MCh$
Fees and commissions for prepayments17,108 14,151 11,348 
Fees and commissions of loans with credit lines49 2,900 233 
Fees and commissions for lines of credits and overdrafts1,968 2,820 8,766 
Fees and commissions for guarantees and letters of credit34,893 34,462 35,935 
Fees and commissions for card services500,292 422,737 352,448 
Fees and commissions for management of accounts73,076 59,538 52,226 
Fees and commissions for collections and payments65,187 60,912 54,060 
Fees and commissions for intermediation and management of securities10,602 9,487 10,019 
Insurance brokerage fees60,528 61,511 52,568 
Fees and commissions for factoring operations services1,334 1,249 1,829 
Fees and commissions for securitizations- - 45 
Fees and commissions for financial advice28,378 15,422 9,362 
Office banking22,673 21,495 21,771 
Fees for other services rendered75,932 60,823 56,543 
Other fees earned68,148 81,006 61,910 
Total960,168 848,513 729,063 
For the years ended December 31,
Fee and commission expense202420232022
MCh$MCh$MCh$
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 linked to the credit card 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)
Net fees and commissions income547,066 502,640 407,269 
Schedule of Income and Expenses
The income and expenses for the commissions of the business segments and the calendar for the recognition of income from ordinary activities as of December 31, 2024 are presented below:
 SegmentsRevenue recognition calendar
for ordinary activities
As of December 31, 2024RetailWealth Management & InsuranceMiddle-marketCIBCorporate activity and othersTotalTransferred over timeTransferred at a point
in time		Accrual model
MCh$MCh$MCh$MCh$MCh$MCh$MCh$MCh$MCh$
Commission income
Commissions for prepayments15,554 71 925 897 (339)17,108 - 17,108 - 
Commissions of loans with credit lines48 1 - - - 49 - 49 - 
Commissions for lines of credits and overdrafts(52)(2)(177)1,844 355 1,968 741 1,227 - 
Commissions for guarantees and letters of credit9,592 43 13,859 11,667 (268)34,893 34,017 876 - 
Commissions for card services468,437 3,958 18,334 5,970 3,593 500,292 83,763 416,529 - 
Commissions for management of accounts70,392 153 1,924 1,159 (552)73,076 67,506 5,570 - 
Commissions for collections and payments100,291 772 6,220 7,932 (50,028)65,187 - 43,618 21,569 
Commissions for intermediation and management of securities276 1,926 409 6,877 1,114 10,602 - 10,602 - 
Remuneration for insurance brokerage fees332 61,012 107 - (923)60,528 - - 60,528 
Commissions for factoring operations services467 - 291 576 - 1,334 - 1,334 - 
Commissions for securitizations- - - - - - - - - 
Commissions for financial advice250 84 13,223 15,114 (293)28,378 - 28,378 - 
Office banking18,511 112 2,690 1,359 1 22,673 - 22,673 - 
Fees for other services rendered59,948 11,475 3,452 1,055 2 75,932 - 75,932 - 
Other fees earned25,786 (10,156)(1,201)14,443 39,276 68,148 - 68,148 - 
Total769,832 69,449 60,056 68,893 (8,062)960,168 186,027 692,044 82,097 
Commission expenses        
Commissions for card operation services(103,805)(735)(9,326)(4,369)(38,323)(156,558)- (156,558)- 
Commissions for icense for the use of card brands(5,833)(76)(727)(324)(206)(7,166)- (7,166)- 
Commissions for services related to the credit card system and prepaid cards(1,136)(29)(43)(6)831 (383)- (383)- 
Commissions for obligations of loyalty programmes and merits for card customers(119,968)(2,400)- - (1,400)(123,768)- (123,768)- 
Commissions for securities transactions- - - (3,956)(7,910)(11,866)- (11,866)- 
Office banking(2,083)- (483)(148)(1)(2,715)- (2,715)- 
Interbank services(23,676)- (2,956)(2,303)- (28,935)- (28,935)- 
Other fees(59,137)(43,026)(2,567)(2,886)25,905 (81,711)- (81,711)- 
Total(315,638)(46,266)(16,102)(13,992)(21,104)(413,102)- (413,102)- 
Total Net commission income and expenses454,194 23,183 43,954 54,901 (29,166)547,066 186,027 278,942 82,097 
NOTE 26 - FEES AND COMMISSIONS, continued
The income and expenses for the commissions of the business segments and the calendar for the recognition of income from ordinary activities as of December 31, 2023 are presented below:
SegmentsRevenue recognition calendar
for ordinary activities
As of December 31, 2023RetailWealth Management & InsuranceMiddle-marketCIBCorporate activity and othersTotalTransferred over timeTransferred at a point
in time		Accrual model
MCh$MCh$MCh$MCh$MCh$MCh$MCh$MCh$MCh$
Commission income
Commissions for prepayments11,927 46 1,802 123 253 14,151 - 14,151 - 
Commissions of loans with credit lines2,876 12 9 - 3 2,900 - 2,900 - 
Commissions for lines of credits and overdrafts1,752 (8)(570)1,667 (21)2,820 2,820 - - 
Commissions for guarantees and letters of credit4,277 62 18,193 11,014 916 34,462 34,462 - - 
Commissions for card services358,604 3,403 33,098 27,394 238 422,737 84,547 338,190 - 
Commissions for management of accounts55,561 92 3,074 804 7 59,538 59,538 - - 
Commissions for collections and payments84,327 621 9,332 8,115 (41,483)60,912  36,547 24,365 
Commissions for brokerage and management of securities72 1,854 598 6,830 133 9,487 - 9,487 - 
Commissions for brokerage of insurance and insurance advisory216 60,414 50 1 830 61,511 - 61,511 - 
Commissions for factoring operations services126 - 565 549 9 1,249 - 1,249 - 
Commissions for financial advice45 - 5,250 3,980 6,147 15,422 - 15,422 - 
Office banking16,750 1,194 2,578 1,140 (167)21,495 21,495 - - 
Fees for other services rendered47,397 3,377 7,295 3,225 (471)60,823 - 60,823 - 
Other fees earned56,947 5,851 15,204 3,632 (628)81,006 - 81,006 - 
Total640,877 76,918 96,478 68,474 (34,234)848,513 202,862 621,286 24,365 
Commission expenses        
Compensation for card operation(106,388)(632)(16,346)(3,620)(299)(127,285)- (127,285)- 
Commissions for licence for use brands(5,019)(103)(899)(38)(18)(6,077)- (6,077)- 
Commissions for services related to the credit card system and prepaid cards(15,861)(327)(584)(62)5,891 (10,943)- (10,943)- 
Commissions for obligations of loyalty programmes and merits for card customers(92,483)(1,833)(990)- (236)(95,542)- (57,325)(38,217)
Fees and commissions for securities transactions– – – (7,426)(1,689)(9,115) (9,115)- 
Office banking(1,265)(1,540)(1,026)(242)1,214 (2,859)(2,859)- - 
Interbank services(27,056)(32,935)(21,939)(5,172)25,966 (61,136)- (61,136)- 
Other fees(8,390)(19,086)(17,300)(2,121)13,981 (32,916)- (32,916)- 
Total(256,462)(56,456)(59,084)(18,681)44,810 (345,873)(2,859)(304,797)(38,217)
Total Net commission income and expenses384,415 20,462 37,394 49,793 10,576 502,640 200,003 316,489 (13,852)
NOTE 26 - FEES AND COMMISSIONS, continued
The income and expenses for the commissions of the business segments and the calendar for the recognition of income from ordinary activities as of December 31, 2022 are presented below:
 SegmentsRevenue recognition calendar
for ordinary activities
As of December 31, 2022RetailWealth Management & InsuranceMiddle-marketCIBCorporate activity and othersTotalTransferred over timeTransferred at a point in timeAccrual model
MCh$MCh$MCh$MCh$MCh$MCh$MCh$MCh$MCh$
Commission income
Commissions for prepayments9,739 (2)563 11 1,037 11,348 - 11,348 - 
Commissions of loans with credit lines171 - - - 62 233 - 233 - 
Commissions for lines of credits and overdrafts6,979 8 (784)2,556 7 8,766 8,766 - - 
Commissions for guarantees and letters of credit13,225 59 12,039 10,036 576 35,935 35,935 - - 
Commissions for card services333,053 1,650 8,872 8,779 94 352,448 71,904 280,544 - 
Commissions for management of accounts49,902 23 1,422 845 34 52,226 46,054 6,172 - 
Commissions for collections and payments78,269 (7,833)4,777 8,052 (29,205)54,060 - 38,065 15,995 
Commissions for intermediation and management of securities149 2,125 251 6,874 620 10,019 - 10,019 - 
Commissions for brokerage of insurance and insurance advisory257 52,804 (292)1 (202)52,568 - - 52,568 
Commissions for factoring operations services645 - 325 761 98 1,829 - 1,829 - 
Commissions for securitization services- - - 45 - 45 - 45 - 
Commissions for financial advice(1,818)(3)3,354 3,916 3,913 9,362 - 9,362 - 
Office banking16,748 59 1,625 3,338 1 21,771 21,771 - - 
Fees for other services rendered53,869 73 1,538 3,502 (2,439)56,543 - 56,543 - 
Other fees earned51,444 4,507 2,996 2,895 68 61,910 - 61,910 - 
Total612,632 53,470 36,686 51,611 (25,336)729,063 184,430 476,070 68,563 
Commission expenses        
Compensation for card operation(100,236)(388)(3,467)(1,418)(186)(105,695)(12,505)(93,190)- 
Commissions for licence for use brands(7,001)(63)(234)(51)(11)(7,360)(5,500)(1,860)- 
Commissions for services related to the credit card system and prepaid cards(11,068)(125)(229)(36)- (11,458)(11,458)- - 
Commissions for obligations of loyalty programmes and merits for card customers(94,120)(1,825)- (1)- (95,946)(85,412)(10,534)
Fees and commissions for securities transactions- - - (6,186)(2,365)(8,551)- (8,551)- 
Office banking(2,187)- 18 (213) (2,382)(2,382) - 
Interbank services(40,328)- (2,865)(4,235)- (47,428)- (47,428)- 
Other fees(27,843)(18,059)(1,025)(1,667)5,620 (42,974)- (42,974)- 
Total(282,783)(20,460)(7,802)(13,807)3,058 (321,794)(117,257)(204,537)- 
Total Net commission income and expenses329,849 33,010 28,884 37,804 (22,278)407,269 67,173 271,533 68,563