Administrative Expenses (Tables)

12 Months Ended

Dec. 31, 2023

Administrative Expenses Disclosure [Abstract]

Schedule of Administrative Expenses

This item is composed as follows:

	2023		2022		2021
	MCh$		MCh$		MCh$
General administrative expenses
Information technology and communications		144,516		125,763		109,026
Maintenance and repair of property and equipment		49,632		42,157		39,679
External advisory services and professional services fees		11,576		15,267		16,819
Surveillance and securities transport services		11,265		12,996		13,229
Insurance premiums except to cover operational risk events		9,946		8,465		7,621
Office supplies		8,660		9,288		8,093
External service of financial information and fraud prevention		7,483		6,543		7,811
Legal and notary expenses		5,433		3,733		4,308
Energy, heating and other utilities		5,513		5,307		4,445
Postal box, mail, postage and home delivery services		4,839		4,372		4,718
Other expenses of obligations for lease contracts		4,431		3,731		4,227
External service of custody of documentation		3,943		3,846		3,094
Expenses for short-term leases		3,860		2,782		3,371
Donations		3,251		1,666		3,199
Representation and travel expenses		3,249		2,449		2,703
Card embossing service		1,749		1,268		1,063
Fees for other technical reports		1,034		799		729
Fees for review and audit of the financial statements by the external auditor		750		839		702
Expenses for  leases low value		509		491		453
Fines applied by other agencies		108		211		152
Fees for review and audit of the financial statements by the external auditor		72		28		154
Other general administrative expenses		11,407		9,261		1,970
Outsource services
Technological developments expenses, certification and technology testing		23,715		17,939		17,526
Data processing		11,907		8,385		9,407
External credit evaluation service		5,729		5,208		4,958
External collection service		4,414		—		19
External human resources administration services and supply of external personnel		1,724		1,438		1,094
External cleaning service, casino, custody of files and documents, storage of furniture and equipment		390		358		355
Call Center service for sales, marketing, quality control customer service		113		92		98
Board expenses
Board of Directors Compensation		3,347		3,095		2,889
Other Board expenses		119		102		16
Marketing		39,617		35,280		30,652
Taxes, contributions and other legal charges
Contribution to the banking regulator		14,785		13,566		11,968
Real estate contributions		5,521		4,727		4,852
Taxes other than income tax		2,530		2,207		1,785
Municipal patents		1,647		1,568		1,395
Other legal charges		60		47		45
Total		408,844		355,274		324,625