Schedule of segment reporting |
| |
As
of December 31, 2022 | |
| |
Retail | | |
Wholesale | | |
Treasury | | |
Subsidiaries | | |
Subtotal | | |
Reclassifications
and
adjustments to conform IFRS | | |
| | |
Total | |
| |
MCh$ | | |
MCh$ | | |
MCh$ | | |
MCh$ | | |
MCh$ | | |
MCh$ | | |
Note | | |
MCh$ | |
Net
interest income and UF indexation | |
| 1,446,495 | | |
| 862,976 | | |
| (60,467 | ) | |
| (13,592 | ) | |
| 2,235,412 | | |
| 30,717 | | |
| | | |
| 2,266,129 | |
Net
commissions income | |
| 301,638 | | |
| 73,208 | | |
| (2,280 | ) | |
| 174,246 | | |
| 546,812 | | |
| (24,680 | ) | |
| | | |
| 522,132 | |
Net
financial income | |
| 8,248 | | |
| 57,389 | | |
| 172,949 | | |
| 64,933 | | |
| 303,519 | | |
| 3,305 | | |
| | | |
| 306,824 | |
Other
income | |
| 22,973 | | |
| 11,349 | | |
| — | | |
| 3,530 | | |
| 37,852 | | |
| (3,345 | ) | |
| | | |
| 34,507 | |
Income
attributable to investments in other companies | |
| 9,089 | | |
| 3,496 | | |
| 345 | | |
| 650 | | |
| 13,580 | | |
| (549 | ) | |
| | | |
| 13,031 | |
Operating
income, before expected credit losses | |
| 1,788,443 | | |
| 1,008,418 | | |
| 110,547 | | |
| 229,767 | | |
| 3,137,175 | | |
| 5,448 | | |
| (1) | | |
| 3,142,623 | |
Expenses
for expected credit losses | |
| (323,364 | ) | |
| (103,745 | ) | |
| (8,009 | ) | |
| — | | |
| (435,118 | ) | |
| 22,988 | | |
| (2) | | |
| (412,130 | ) |
Total
operating income, after expected credit losses | |
| 1,465,079 | | |
| 904,673 | | |
| 102,538 | | |
| 229,767 | | |
| 2,702,057 | | |
| 28,436 | | |
| | | |
| 2,730,493 | |
Expenses
from salaries and employee benefits | |
| (339,849 | ) | |
| (102,395 | ) | |
| (2,645 | ) | |
| (83,356 | ) | |
| (528,245 | ) | |
| 19 | | |
| | | |
| (528,226 | ) |
Administrative
expenses | |
| (272,748 | ) | |
| (66,547 | ) | |
| (1,771 | ) | |
| (34,474 | ) | |
| (375,540 | ) | |
| 20,266 | | |
| | | |
| (355,274 | ) |
Depreciation
and amortization | |
| (69,100 | ) | |
| (8,540 | ) | |
| (424 | ) | |
| (6,141 | ) | |
| (84,205 | ) | |
| — | | |
| | | |
| (84,205 | ) |
Impairment
of non-financial assets | |
| (9 | ) | |
| (122 | ) | |
| — | | |
| 54 | | |
| (77 | ) | |
| — | | |
| | | |
| (77 | ) |
Other
operating expenses | |
| (17,114 | ) | |
| (10,183 | ) | |
| — | | |
| (1,501 | ) | |
| (28,798 | ) | |
| 1,097 | | |
| | | |
| (27,701 | ) |
Total
operating expenses | |
| (698,820 | ) | |
| (187,787 | ) | |
| (4,840 | ) | |
| (125,418 | ) | |
| (1,016,865 | ) | |
| 21,382 | | |
| (3) | | |
| (995,483 | ) |
Income
from operations | |
| 766,259 | | |
| 716,886 | | |
| 97,698 | | |
| 104,349 | | |
| 1,685,192 | | |
| 49,818 | | |
| | | |
| 1,735,010 | |
Income
taxes | |
| | | |
| | | |
| | | |
| | | |
| (275,757 | ) | |
| (13,452 | ) | |
| (4) | | |
| (289,209 | ) |
Income
after income taxes | |
| | | |
| | | |
| | | |
| | | |
| 1,409,435 | | |
| 36,366 | | |
| | | |
| 1,445,801 | |
| |
| | | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
Assets | |
| 22,025,372 | | |
| 13,576,675 | | |
| 18,602,123 | | |
| 561,621 | | |
| 54,765,791 | | |
| (212,524 | ) | |
| | | |
| 54,553,267 | |
Current
and deferred taxes | |
| | | |
| | | |
| | | |
| | | |
| 726,910 | | |
| (171,323 | ) | |
| | | |
| 555,587 | |
Total
assets | |
| | | |
| | | |
| | | |
| | | |
| 55,492,701 | | |
| (383,847 | ) | |
| (5) | | |
| 55,108,854 | |
| |
| | | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
Liabilities | |
| 17,572,012 | | |
| 10,151,503 | | |
| 22,182,398 | | |
| 727,529 | | |
| 50,633,442 | | |
| (956,957 | ) | |
| | | |
| 49,676,485 | |
Current
and deferred taxes | |
| | | |
| | | |
| | | |
| | | |
| 932 | | |
| — | | |
| | | |
| 932 | |
Total
liabilities | |
| | | |
| | | |
| | | |
| | | |
| 50,634,374 | | |
| (956,957 | ) | |
| (6) | | |
| 49,677,417 | |
| |
As
of December 31, 2021 | |
| |
Retail | | |
Wholesale | | |
Treasury | | |
Subsidiaries | | |
Subtotal | | |
Reclassifications
and
adjustments to
conform IFRS | | |
| | |
Total | |
| |
MCh$ | | |
MCh$ | | |
MCh$ | | |
MCh$ | | |
MCh$ | | |
MCh$ | | |
Note | | |
MCh$ | |
Net
interest income and UF indexation | |
| 1,083,179 | | |
| 472,520 | | |
| (1,416 | ) | |
| (847 | ) | |
| 1,553,436 | | |
| 20,586 | | |
| | | |
| 1,574,022 | |
Net
commissions income | |
| 260,416 | | |
| 67,343 | | |
| (2,288 | ) | |
| 159,628 | | |
| 485,099 | | |
| (30,071 | ) | |
| | | |
| 455,028 | |
Net
financial income | |
| 15,211 | | |
| 49,864 | | |
| 51,918 | | |
| 34,070 | | |
| 151,063 | | |
| 19,916 | | |
| | | |
| 170,979 | |
Other
income | |
| 16,653 | | |
| 9,456 | | |
| — | | |
| 3,075 | | |
| 29,184 | | |
| (6,135 | ) | |
| | | |
| 23,049 | |
Income
attributable to investments in other companies | |
| (452 | ) | |
| 2,075 | | |
| 118 | | |
| 499 | | |
| 2,240 | | |
| (447 | ) | |
| | | |
| 1,793 | |
Operating
income, before expected credit losses | |
| 1,375,007 | | |
| 601,258 | | |
| 48,332 | | |
| 196,425 | | |
| 2,221,022 | | |
| 3,849 | | |
| (1) | | |
| 2,224,871 | |
Expenses
for expected credit losses | |
| (257,547 | ) | |
| (98,516 | ) | |
| (1,002 | ) | |
| — | | |
| (357,065 | ) | |
| 337,893 | | |
| (2) | | |
| (19,172 | ) |
Total
operating income, after expected credit losses | |
| 1,117,460 | | |
| 502,742 | | |
| 47,330 | | |
| 196,425 | | |
| 1,863,957 | | |
| 341,742 | | |
| | | |
| 2,205,699 | |
Expenses
from salaries and employee benefits | |
| (289,103 | ) | |
| (82,706 | ) | |
| (2,156 | ) | |
| (77,004 | ) | |
| (450,969 | ) | |
| 17 | | |
| | | |
| (450,952 | ) |
Administrative
expenses | |
| (252,858 | ) | |
| (58,940 | ) | |
| (1,360 | ) | |
| (30,559 | ) | |
| (343,717 | ) | |
| 19,092 | | |
| | | |
| (324,625 | ) |
Depreciation
and amortization | |
| (62,728 | ) | |
| (8,107 | ) | |
| (365 | ) | |
| (5,598 | ) | |
| (76,798 | ) | |
| — | | |
| | | |
| (76,798 | ) |
Impairment
of non-financial assets | |
| (30 | ) | |
| (1,169 | ) | |
| — | | |
| (223 | ) | |
| (1,422 | ) | |
| (268 | ) | |
| | | |
| (1,690 | ) |
Other
operating expenses | |
| (13,776 | ) | |
| (5,073 | ) | |
| (21 | ) | |
| (1,709 | ) | |
| (20,579 | ) | |
| 1,231 | | |
| | | |
| (19,348 | ) |
Total
operating expenses | |
| (618,495 | ) | |
| (155,995 | ) | |
| (3,902 | ) | |
| (115,093 | ) | |
| (893,485 | ) | |
| 20,072 | | |
| (3) | | |
| (873,413 | ) |
Income
from operations | |
| 498,965 | | |
| 346,747 | | |
| 43,428 | | |
| 81,332 | | |
| 970,472 | | |
| 361,814 | | |
| | | |
| 1,332,286 | |
Income
taxes | |
| | | |
| | | |
| | | |
| | | |
| (178,280 | ) | |
| (97,689 | ) | |
| (4) | | |
| (275,969 | ) |
Income
after income taxes | |
| | | |
| | | |
| | | |
| | | |
| 792,192 | | |
| 264,125 | | |
| | | |
| 1,056,317 | |
| |
| | | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
Assets | |
| 20,515,244 | | |
| 12,806,409 | | |
| 17,412,551 | | |
| 958,447 | | |
| 51,692,651 | | |
| (543,103 | ) | |
| | | |
| 51,149,548 | |
Current
and deferred taxes | |
| | | |
| | | |
| | | |
| | | |
| 435,123 | | |
| (158,723 | ) | |
| | | |
| 276,400 | |
Total
assets | |
| | | |
| | | |
| | | |
| | | |
| 52,127,774 | | |
| (701,826 | ) | |
| (5) | | |
| 51,425,948 | |
| |
| | | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
Liabilities | |
| 16,779,925 | | |
| 10,530,749 | | |
| 19,640,221 | | |
| 770,228 | | |
| 47,721,123 | | |
| (1,226,430 | ) | |
| | | |
| 46,494,693 | |
Current
and deferred taxes | |
| | | |
| | | |
| | | |
| | | |
| 113,129 | | |
| (846 | ) | |
| | | |
| 112,283 | |
Total
liabilities | |
| | | |
| | | |
| | | |
| | | |
| 47,834,252 | | |
| (1,227,276 | ) | |
| (6) | | |
| 46,606,976 | |
| |
As of December 31, 2020 | |
| |
Retail | | |
Wholesale | | |
Treasury | | |
Subsidiaries | | |
Subtotal | | |
Reclassifications and
adjustments to
conform IFRS | | |
| | |
Total | |
| |
MCh$ | | |
MCh$ | | |
MCh$ | | |
MCh$ | | |
MCh$ | | |
MCh$ | | |
Note | | |
MCh$ | |
Net interest income and UF indexation | |
| 940,075 | | |
| 377,314 | | |
| (3,603 | ) | |
| (1,923 | ) | |
| 1,311,863 | | |
| 4,925 | | |
| | | |
| 1,316,788 | |
Net commissions income | |
| 265,338 | | |
| 55,599 | | |
| (1,969 | ) | |
| 143,863 | | |
| 462,831 | | |
| (16,863 | ) | |
| | | |
| 445,968 | |
Net financial income | |
| 2,651 | | |
| 34,979 | | |
| 75,144 | | |
| 33,440 | | |
| 146,214 | | |
| (831 | ) | |
| | | |
| 145,383 | |
Other income | |
| 17,673 | | |
| 8,677 | | |
| — | | |
| 2,101 | | |
| 28,451 | | |
| (9,180 | ) | |
| | | |
| 19,271 | |
Income attributable to investments in other companies | |
| (6,674 | ) | |
| 1,548 | | |
| (7 | ) | |
| 472 | | |
| (4,661 | ) | |
| (438 | ) | |
| | | |
| (5,099 | ) |
Operating income, before expected credit losses | |
| 1,219,063 | | |
| 478,117 | | |
| 69,565 | | |
| 177,953 | | |
| 1,944,698 | | |
| (22,387 | ) | |
| (1) | | |
| 1,922,311 | |
Expenses for expected credit losses | |
| (325,852 | ) | |
| (136,387 | ) | |
| (1,176 | ) | |
| (380 | ) | |
| (463,795 | ) | |
| (83,311 | ) | |
| (2) | | |
| (547,106 | ) |
Total operating income, after expected credit losses | |
| 893,211 | | |
| 341,730 | | |
| 68,389 | | |
| 177,573 | | |
| 1,480,903 | | |
| (105,698 | ) | |
| | | |
| 1,375,205 | |
Expenses from salaries and employee benefits | |
| (295,301 | ) | |
| (85,469 | ) | |
| (2,023 | ) | |
| (74,400 | ) | |
| (457,193 | ) | |
| 17 | | |
| | | |
| (457,176 | ) |
Administrative expenses | |
| (249,478 | ) | |
| (58,440 | ) | |
| (1,414 | ) | |
| (31,012 | ) | |
| (340,344 | ) | |
| 21,463 | | |
| | | |
| (318,881 | ) |
Depreciation and amortization | |
| (59,730 | ) | |
| (7,317 | ) | |
| (312 | ) | |
| (5,998 | ) | |
| (73,357 | ) | |
| — | | |
| | | |
| (73,357 | ) |
Impairment of non-financial assets | |
| (1,019 | ) | |
| — | | |
| — | | |
| (642 | ) | |
| (1,661 | ) | |
| — | | |
| | | |
| (1,661 | ) |
Other operating expenses | |
| (14,983 | ) | |
| (5,362 | ) | |
| 1,155 | | |
| (87 | ) | |
| (19,277 | ) | |
| — | | |
| | | |
| (19,277 | ) |
Total operating expenses | |
| (620,511 | ) | |
| (156,588 | ) | |
| (2,594 | ) | |
| (112,139 | ) | |
| (891,832 | ) | |
| 21,480 | | |
| (3) | | |
| (870,352 | ) |
Income from operations | |
| 272,700 | | |
| 185,142 | | |
| 65,795 | | |
| 65,434 | | |
| 589,071 | | |
| (84,218 | ) | |
| | | |
| 504,853 | |
Income taxes | |
| | | |
| | | |
| | | |
| | | |
| (125,962 | ) | |
| 22,739 | | |
| (4) | | |
| (103,223 | ) |
Income after income taxes | |
| | | |
| | | |
| | | |
| | | |
| 463,109 | | |
| (61,479 | ) | |
| | | |
| 401,630 | |
| |
| | | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
Assets | |
| 18,800,918 | | |
| 10,811,000 | | |
| 15,400,139 | | |
| 830,910 | | |
| 45,842,967 | | |
| (607,473 | ) | |
| | | |
| 45,235,494 | |
Current and deferred taxes | |
| | | |
| | | |
| | | |
| | | |
| 380,894 | | |
| (65,428 | ) | |
| | | |
| 315,466 | |
Total assets | |
| | | |
| | | |
| | | |
| | | |
| 46,223,861 | | |
| (672,901 | ) | |
| (5) | | |
| 45,550,960 | |
| |
| | | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
Liabilities | |
| 13,848,124 | | |
| 10,143,939 | | |
| 17,844,350 | | |
| 660,869 | | |
| 42,497,282 | | |
| (943,714 | ) | |
| | | |
| 41,553,568 | |
Current and deferred taxes | |
| | | |
| | | |
| | | |
| | | |
| 311 | | |
| — | | |
| | | |
| 311 | |
Total liabilities | |
| | | |
| | | |
| | | |
| | | |
| 42,497,593 | | |
| (943,714 | ) | |
| (6) | | |
| 41,553,879 | |
|