Administrative Expenses

12 Months Ended

Dec. 31, 2022

Administrative Expenses Disclosure [Abstract]

Administrative expenses

36. Administrative expenses:

This item is composed as follows:

	2022		2021		2020
	MCh$		MCh$		MCh$
General administrative expenses
Information technology and communications		123,810		109,026		99,763
Maintenance and repair of property and equipment		42,157		39,679		48,218
External advisory services and professional services fees		15,267		16,819		13,194
Surveillance and securities transport services		12,996		13,229		10,787
Office supplies		9,288		8,093		11,094
Insurance premiums except to cover operational risk events		8,465		7,621		8,273
Energy, heating and other utilities		5,307		4,445		5,556
External service of financial information and fraud prevention		4,614		6,297		5,912
Postal box, mail, postage and home delivery services		4,372		4,718		4,218
External service of custody of documentation		3,846		3,094		3,359
Legal and notary expenses		3,733		4,308		4,182
Other expenses of obligations for lease contracts		3,731		4,227		2,684
Expenses for short-term leases		2,782		3,371		4,196
Representation and travel expenses		2,449		2,703		2,780
Fees for other technical reports		799		729		639
Fees for review and audit of the financial statements by the external auditor		777		657		751
Expenses for  leases low value		491		453		533
Fines applied by other agencies		211		152		66
Other general administrative expenses		14,214		7,945		7,313
Outsource services
Technological developments expenses, certification and technology testing		17,939		17,526		17,433
Data processing		8,385		9,407		9,333
External credit evaluation service		5,208		4,958		12,241
External human resources administration services and supply of external personnel		1,438		1,108		2,000
External cleaning service, casino, custody of files and documents, storage of furniture and equipment		358		355		435
Call Center service for sales, marketing, quality control customer service		92		103		—
Board expenses
Board of Directors Compensation		3,095		2,889		2,795
Other Board expenses		102		16		30
Marketing		37,233		30,652		23,561
Taxes, contributions and other legal charges
Contribution to the banking regulator		13,566		11,968		11,408
Real estate contributions		4,727		4,852		4,054
Taxes other than income tax		2,207		1,785		789
Municipal patents		1,568		1,395		1,240
Other legal charges		47		45		44
Total		355,274		324,625		318,881