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Financial Assets at Amortized Cost

12 Months Ended

Dec. 31, 2024

Financial Assets at Amortized Cost [Abstract]

11.

Financial assets at amortized cost:

The item detail is as follows:

	2024			2023
	MCh$			MCh$

Rights by resale agreements and securities lending		87,291			71,822
Debt financial instruments		944,074			1,431,083
Loans and advances to Banks		667,703			2,519,931
Loans to customers:
Commercial loans		20,147,980			20,030,044
Residential mortgage loans		13,233,327			12,310,768
Consumer loans		5,554,989			5,310,462
Provisions established for credit risk:
Loans and advances to Banks provisions		(1,988	)		(1,341	)
Commercial loans provisions		(254,568	)		(259,641	)
Mortgage loans provisions		(35,632	)		(33,502	)
Consumer loans provisions		(403,234	)		(417,044	)
Total		39,939,942			40,962,582

(a)

Rights by resale agreements and securities lending:

The Bank provides financing to its customers through resale agreements and securities lending, in which the financial instrument serves as collateral. As of December 31, 2024 and 2023, the detail is as follows:

	2024		2023
	MCh$		MCh$
Transaction with domestic banks
Resale agreements with other banks		—		—
Resale agreements with the Central Bank of Chile		—		—
Rights from securities lending		—		—

Transaction with foreign banks
Resale agreements with other banks		—		—
Resale agreements with foreign Central Banks		—		—
Rights from securities lending		—		—

Transaction with other domestic entities
Resale agreements		87,291		71,822
Rights from securities lending		—		—

Transaction with other foreign entities
Resale agreements		—		—
Rights from securities lending		—		—

Accumulated Impairment Value of Financial Assets at Amortized Cost - Rights from resale agreements and securities lending
Financial assets with no significant increase in credit risk since initial recognition (phase 1)		—		—
Financial assets with a significant increase in credit risk since initial recognition, but without credit impairment (phase 2)		—		—
Financial assets with credit impairment (phase 3)		—		—
Total		87,291		71,822

The Bank and its subsidiaries have received financial instruments that they can sell or give as collateral in case the owner of these instruments enters into default or in bankruptcy. As of December 31, 2024, the fair value of the instruments received amounts to Ch$87,157 million (Ch$73,874 million in December 2023).

(b)

Debt financial instruments:

At the end of each period, the balances presented under this item are as follows:

	2024			2023
	MCh$			MCh$
Instruments issued by the Chilean Government and Central Bank of Chile
Debt financial instruments from the Central Bank of Chile		—			507,261
Bonds and promissory notes from the General Treasury of the Republic		944,109			923,880
Other fiscal debt financial instruments		—			—

Other Financial Instruments issued in Chile
Debt financial instruments from other domestic banks		—			—
Bonds and trade effects from domestic companies		—			—
Other debt financial instruments issued in the country		—			—

Financial Instruments issued Abroad
Debt financial instruments from foreign Central Banks		—			—
Debt financial instruments from foreign governments and fiscal entities		—			—
Debt financial instruments from other foreign banks		—			—
Bonds and trade effects from foreign companies		—			—
Other debt financial instruments issued abroad		—			—

Accumulated Impairment Value of Financial Assets at Amortized Cost Debt Financial Instruments
Financial assets with no significant increase in credit risk since initial recognition (phase 1)		(35	)		(58	)
Financial assets with a significant increase in credit risk since initial recognition, but without credit impairment (phase 2)		—			—
Financial assets with credit impairment (phase 3)		—			—
Total		944,074			1,431,083

Under Instruments of the Government and the Central Bank of Chile, instruments are classified pledged as collateral as part of the FCIC program are included for an approximate amount of Ch$1,362,095 million as of December 31, 2023. There is no collateral delivered as of December 31, 2024 for this concept given that the program came to an end on July 1, 2024.

(b.1)

The credit ratings of the issuers of instruments assets at amortized cost as of December 31, 2024 and 2023, are as follows:

	As of December 31, 2024								As of December 31, 2023
	Stage 1 Individual		Stage 2 Individual		Stage 3 Individual		Total Individual		Stage 1 Individual		Stage 2 Individual		Stage 3 Individual		Total Individual
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Debt Instrument
Investment grade		944,074		—		—		944,074		1,431,083		—		—		1,431,083
Non-investment grade		—		—		—		—		—		—		—		—
Without rating		—		—		—		—		—		—		—		—
Total		944,074		—		—		944,074		1,431,083		—		—		1,431,083

(b.2)

Analysis of changes in gross carrying amount and corresponding allowance for ECL by stage for financial instruments measured at amortized cost as of December 31, 2024 and 2023, is as follows:

	Stage 1 Individual						Stage 2 Individual				Stage 3 Individual				Total
	Gross carrying amount			ECL			Gross carrying amount		ECL		Gross carrying amount		ECL		Gross carrying amount			ECL
	MCh$			MCh$			MCh$		MCh$		MCh$		MCh$		MCh$			MCh$
Balance as of January 1, 2024		1,431,141			58			—		—		—		—		1,431,141			58
Net change on Balance *		(487,032	)		(23	)		—		—		—		—		(487,032	)		(23	)
Change in fair value		—			—			—		—		—		—		—			—
Transfer to Stage 1		—			—			—		—		—		—		—			—
Transfer to Stage 2		—			—			—		—		—		—		—			—
Transfer to Stage 3		—			—			—		—		—		—		—			—
Impact on year-end ECL of exposures transferred between stages during the year **		—			—			—		—		—		—		—			—
Impact of net re-measurement of year-end ECL		—			—			—		—		—		—		—			—
Amounts written off		—			—			—		—		—		—		—			—
Balance as of December 31, 2024		944,109			35			—		—		—		—		944,109			35

	Stage 1 Individual				Stage 2 Individual				Stage 3 Individual				Total
	Gross carrying amount		ECL		Gross carrying amount		ECL		Gross carrying amount		ECL		Gross carrying amount		ECL
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Balance as of January 1, 2023		902,355		58		—		—		—		—		902,355		58
Net change on Balance *		528,786		—		—		—		—		—		528,786		—
Change in fair value		—		—		—		—		—		—		—		—
Transfer to Stage 1		—		—		—		—		—		—		—		—
Transfer to Stage 2		—		—		—		—		—		—		—		—
Transfer to Stage 3		—		—		—		—		—		—		—		—
Impact on year-end ECL of exposures transferred between stages during the year **		—		—		—		—		—		—		—		—
Impact of net re-measurement of year-end ECL		—		—		—		—		—		—		—		—
Amounts written off		—		—		—		—		—		—		—		—
Balance as of December 31, 2023		1,431,141		58		—		—		—		—		1,431,141		58

Net change between assets purchased and assets derecognized excluding write offs.

Represents the change in the year-end ECLs of exposures that were transferred from one stage to another during the year.

(c)

Loans and advances to Banks: At the end of each period, the balances presented under this item are as follows:

	As of December 31, 2024							As of December 31, 2023
	Assets before Allowances		Allowances established			Net assets		Assets before Allowances		Allowances established			Net assets
	MCh$		MCh$			MCh$		MCh$		MCh$			MCh$
Domestic Banks
Interbank loans of liquidity		300,042		(895	)		299,147		—		—			—
Interbank loans commercial		—		—			—		—		—			—
Current accounts overdrafts		—		—			—		—		—			—
Chilean exports foreign trade loans		—		—			—		—		—			—
Chilean imports foreign trade loans		—		—			—		—		—			—
Credits with third countries		—		—			—		—		—			—
Non-transferable deposits in domestic banks		—		—			—		—		—			—
Other debts with domestic banks		—		—			—		—		—			—
Foreign Banks
Interbank loans of liquidity		—		—			—		—		—			—
Interbank loans commercial		269,191		(803	)		268,388		205,362		(561	)		204,801
Current accounts overdrafts		—		—			—		—		—			—
Chilean exports foreign trade loans		98,470		(290	)		98,180		213,636		(780	)		212,856
Chilean imports foreign trade loans		—		—			—		—		—			—
Credits with third countries		—		—			—		—		—			—
Current account deposits with foreign banks for derivatives transactions		—		—			—		—		—			—
Other non-transferable deposits with foreign banks		—		—			—		—		—			—
Other debts with foreign banks		—		—			—		—		—			—
Subtotal Domestic and Foreign Banks		667,703		(1,988	)		665,715		418,998		(1,341	)		417,657
Central Bank of Chile
Current account deposits for derivative transactions with a counterparty		—		—			—		—		—			—
Other deposits not available		—		—			—		2,100,933		—			2,100,933
Other receivables		—		—			—		—		—			—
Foreign Central Banks
Current account deposits for derivatives transactions		—		—			—		—		—			—
Other deposits not available		—		—			—		—		—			—
Other receivables		—		—			—		—		—			—
Subtotal Central Bank of Chile and Foreign Central Banks		—		—			—		2,100,933		—			2,100,933
Total		667,703		(1,988	)		665,715		2,519,931		(1,341	)		2,518,590

(c.1)

Impairment allowance for due from banks:

The credit quality and the maximum exposure to credit risk based on the Bank’s internal credit rating system and year-end stage classification as of December 31, 2024 and 2023, is as follows:

	2024								2023
	Stage 1 Individual		Stage 2 Individual		Stage 3 Individual		Total		Stage 1 Individual		Stage 2 Individual		Stage 3 Individual		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Domestic Banks
Normal		300,042		—		—		300,042		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Non-complying		—		—		—		—		—		—		—		—
Subtotal		300,042		—		—		300,042		—		—		—		—

Foreign Banks
Normal		367,661		—		—		367,661		418,998		—		—		418,998
Substandard		—		—		—		—		—		—		—		—
Non-complying		—		—		—		—		—		—		—		—
Subtotal		367,661		—		—		367,661		418,998		—		—		418,998

Central Bank of Chile
Normal		—		—		—		—		2,100,933		—		—		2,100,933
Substandard		—		—		—		—		—		—		—		—
Non-complying		—		—		—		—		—		—		—		—
Subtotal		—		—		—		—		2,100,933		—		—		2,100,933
Total		667,703		—		—		667,703		2,519,931		—		—		2,519,931

(c.2)

Impairment allowance for due from banks, continued:

ii.

Changes in gross carrying amount and corresponding allowance for ECL by stage as of December 31, 2024 and 2023, is as follows:

	Changes as of December 31, 2024
	Stage 1 Individual						Stage 2 Individual				Stage 3 Individual				Total
	Gross carrying amount			ECL			Gross carrying amount		ECL		Gross carrying amount		ECL		Gross carrying amount			ECL
	MCh$			MCh$			MCh$		MCh$		MCh$		MCh$		MCh$			MCh$
ECL allowances as of January 1, 2024		2,519,931			(1,341	)		—		—		—		—		2,519,931			(1,341	)
Net change on Balance *		(1,890,430	)		(559	)		—		—		—		—		(1,890,430	)		(559	)
Transfer to Stage 1		—			—			—		—		—		—		—			—
Transfer to Stage 2		—			—			—		—		—		—		—			—
Transfer to Stage 3		—			—			—		—		—		—		—			—
Impact on year-end ECL of exposures transferred between stages during the year **		—			—			—		—		—		—		—			—
Refinements to models used for calculation		—			—			—		—		—		—		—			—
Amounts written off		—			—			—		—		—		—		—			—
Foreign exchange adjustments		38,202			(88	)		—		—		—		—		38,202			(88	)
Total		667,703			(1,988	)		—		—		—		—		667,703			(1,988	)

	Changes as of December 31, 2023
	Stage 1 Individual					Stage 2 Individual				Stage 3 Individual				Total
	Gross carrying amount		ECL			Gross carrying amount		ECL		Gross carrying amount		ECL		Gross carrying amount		ECL
	MCh$		MCh$			MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
ECL allowances as of January 1, 2023		2,174,792		(1,641	)		—		—		—		—		2,174,792		(1,641	)
Net change on Balance *		343,280		(30	)		—		—		—		—		343,280		(30	)
Transfer to Stage 1		—		—			—		—		—		—		—		—
Transfer to Stage 2		—		—			—		—		—		—		—		—
Transfer to Stage 3		—		—			—		—		—		—		—		—
Impact on year-end ECL of exposures transferred between stages during the year **		—		—			—		—		—		—		—		—
Refinements to models used for calculation		—		300			—		—		—		—		—		300
Amounts written off		—		—			—		—		—		—		—		—
Foreign exchange adjustments		1,859		30			—		—		—		—		1,859		30
Total		2,519,931		(1,341	)		—		—		—		—		2,519,931		(1,341	)

Net change between assets originated and assets repaid, excluding write offs.

Represents the change in the year-end ECLs of exposures that were transferred from one stage to another during the year.

(d)

Loans to Customers: At the end of each period, the balances presented under this item are as follows:

	As of December 31, 2024							As of December 31, 2023
	Assets before Allowances		Allowances established			Net assets		Assets before Allowances		Allowances established			Net assets
	MCh$		MCh$			MCh$		MCh$		MCh$			MCh$
Commercial loans
Commercial loans		15,147,886		(189,439	)		14,958,447		15,500,934		(198,109	)		15,302,825
Chilean exports foreign trade loans		1,449,806		(8,988	)		1,440,818		1,138,316		(8,905	)		1,129,411
Accrediting foreign trade loans negotiated in terms of Chilean imports		162		(2	)		160		94		(2	)		92
Chilean imports foreign trade loans		562,650		(10,006	)		552,644		583,013		(8,139	)		574,874
Current account debtors		196,819		(6,417	)		190,402		186,515		(6,274	)		180,241
Credit card debtors		128,671		(14,323	)		114,348		107,766		(10,989	)		96,777
Factoring transactions		596,935		(3,779	)		593,156		603,354		(4,506	)		598,848
Commercial lease transactions (1)		1,991,663		(10,677	)		1,980,986		1,822,495		(11,245	)		1,811,250
Student loans		52,511		(2,462	)		50,049		56,923		(2,744	)		54,179
Other loans and accounts receivable		20,877		(8,475	)		12,402		30,634		(8,728	)		21,906
Subtotal		20,147,980		(254,568	)		19,893,412		20,030,044		(259,641	)		19,770,403
Mortgage loans
Mortgage bonds		1,400		(7	)		1,393		2,500		(10	)		2,490
Endorsable mortgage mutual loans		11,071		(46	)		11,025		11,327		(40	)		11,287
Mortgage mutual financed with mortgage bonds		—		—			—		—		—			—
Other mortgage mutual loans		13,056,028		(33,863	)		13,022,165		12,132,671		(31,951	)		12,100,720
Residential lease transactions (1)		—		—			—		—		—			—
Other loans and accounts receivable		164,828		(1,716	)		163,112		164,270		(1,501	)		162,769
Subtotal		13,233,327		(35,632	)		13,197,695		12,310,768		(33,502	)		12,277,266
Consumer loans
Consumer loans in installments		3,255,475		(333,067	)		2,922,408		3,182,932		(349,864	)		2,833,068
Current account debtors		284,207		(16,671	)		267,536		270,974		(7,221	)		263,753
Credit card debtors		2,013,622		(52,333	)		1,961,289		1,854,678		(58,695	)		1,795,983
Consumer lease transactions (1)		320		(15	)		305		380		(20	)		360
Other loans and accounts receivable		1,365		(1,148	)		217		1,498		(1,244	)		254
Subtotal		5,554,989		(403,234	)		5,151,755		5,310,462		(417,044	)		4,893,418
Total		38,936,296		(693,434	)		38,242,862		37,651,274		(710,187	)		36,941,087

(1)

In this item, the Bank finances its clients’ purchases of assets, including real estate and other personal property, through financial lease agreements. As of December 31, 2024, Ch$993,167 million corresponds to financial leases for real estate (Ch$922,174 million in December 31, 2023) and Ch$998,816 million corresponds to financial leases for other assets (Ch$900,701 million in December 31, 2023).

(d.1)

Impairment allowance for loans to customers:

The credit quality and the maximum exposure to credit risk based on the Bank’s internal credit rating system and year-end stage classification as of December 31, 2024 and 2023, are as follows:

	2024
	Stage 1				Stage 2				Stage 3
	Individual		Group		Individual		Group		Individual		Group		POCI		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Commercial loans
Normal		14,696,311		4,028,591		50,877		411,964		—		—		25		19,187,768
Substandard		—		—		244,768		—		—		—		1,530		246,298
Non-complying		—		—		—		—		292,741		413,618		7,555		713,914
Subtotal		14,696,311		4,028,591		295,645		411,964		292,741		413,618		9,110		20,147,980

Mortgage loans
Normal		—		12,036,923		—		843,700		—		—		235		12,880,858
Non-complying		—		—		—		—		—		352,469		—		352,469
Subtotal		—		12,036,923		—		843,700		—		352,469		235		13,233,327

Consumer loans
Normal		—		4,666,028		—		592,828		—		—		108		5,258,964
Non-complying		—		—		—		—		—		294,696		1,329		296,025
Subtotal		—		4,666,028		—		592,828		—		294,696		1,437		5,554,989
Total		14,696,311		20,731,542		295,645		1,848,492		292,741		1,060,783		10,782		38,936,296

	2023
	Stage 1				Stage 2				Stage 3
	Individual		Group		Individual		Group		Individual		Group		POCI		Total
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$
Commercial loans
Normal		14,599,022		4,144,669		42,993		350,612		—		2,112		78		19,139,486
Substandard		—		—		238,130		—		—		—		2,652		240,782
Non-complying		—		—		—		—		265,932		377,682		6,162		649,776
Subtotal		14,599,022		4,144,669		281,123		350,612		265,932		379,794		8,892		20,030,044

Mortgage loans
Normal		—		11,150,943		—		884,563		—		6,136		—		12,041,642
Non-complying		—		—		—		—		—		269,126		—		269,126
Subtotal		—		11,150,943		—		884,563		—		275,262		—		12,310,768

Consumer loans
Normal		—		4,447,346		—		578,426		—		3,971		81		5,029,824
Non-complying		—		—		—		—		—		279,232		1,406		280,638
Subtotal		—		4,447,346		—		578,426		—		283,203		1,487		5,310,462
Total		14,599,022		19,742,958		281,123		1,813,601		265,932		938,259		10,379		37,651,274

(d.1)

Impairment allowance for loans to customers, continued:

ii.

Changes in gross carrying amount and corresponding allowance for ECL by stage as of December 31, 2024 and 2023, is as follows:

	Changes as of December 31, 2024
	Stage 1												Stage 2												Stage 3
	Individual						Group						Individual						Group						Individual						Group						POCI						Total
	Gross						Gross						Gross						Gross						Gross						Gross						Gross						Gross
	carrying						carrying						carrying						carrying						carrying						carrying						carrying						carrying
	amount			ECL			amount			ECL			amount			ECL			amount			ECL			amount			ECL			amount			ECL			amount			ECL			amount			ECL
	MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$
Commercial loans
Balance as of January 1, 2024		14,599,022			(55,909	)		4,144,669			(22,144	)		281,123			(10,116	)		350,612			(10,818	)		265,932			(68,390	)		379,794			(90,716	)		8,892			(1,548	)		20,030,044			(259,641	)
Net change on Balance *		(72,104	)		7,223			193,235			(2,096	)		(80,536	)		4,572			(90,492	)		(2,444	)		(32,872	)		(12,716	)		(66,985	)		(42,516	)		218			303			(149,536	)		(47,674	)
Transfer to Stage 1		161,583			(1,822	)		1,001,203			(27,789	)		(161,158	)		1,798			(961,260	)		21,839			(425	)		24			(39,943	)		5,950			—			—			—			—
Transfer to Stage 2		(336,150	)		1,150			(1,302,470	)		11,433			352,733			(1,796	)		1,318,794			(13,357	)		(16,583	)		646			(16,324	)		1,924			—			—			—			—
Transfer to Stage 3		(5,313	)		50			(14,149	)		233			(102,974	)		6,074			(205,881	)		17,966			108,287			(6,124	)		220,030			(18,199	)		—			—			—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			1,113			—			22,291			—			(11,514	)		—			(26,844	)		—			(15,953	)		—			(14,312	)		—			—			—			(45,219	)
Refinements to models used for calculation		—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—
Amounts written off		—			—			—			—			—			—			—			—			(37,936	)		37,936			(63,492	)		63,492			—			—			(101,428	)		101,428
Foreign exchange adjustments		349,273			(1,629	)		6,103			(107	)		6,457			(189	)		191			(7	)		6,338			(1,316	)		538			(214	)		—			—			368,900			(3,462	)
Subtotal Commercial loans		14,696,311			(49,824	)		4,028,591			(18,179	)		295,645			(11,171	)		411,964			(13,665	)		292,741			(65,893	)		413,618			(94,591	)		9,110			(1,245	)		20,147,980			(254,568	)

Mortgage loans
Balance as of January 1, 2024		—			—			11,150,943			(9,056	)		—			—			884,563			(13,745	)		—			—			275,262			(10,701	)		—			—			12,310,768			(33,502	)
Net change on Balance *		—			—			1,002,887			(318	)		—			—			(37,060	)		(5,891	)		—			—			(37,960	)		(890	)		235			(31	)		928,102			(7,130	)
Transfer to Stage 1		—			—			2,078,720			(22,137	)		—			—			(2,057,279	)		21,460			—			—			(21,441	)		677			—			—			—			—
Transfer to Stage 2		—			—			(2,193,666	)		3,311			—			—			2,221,510			(5,962	)		—			—			(27,844	)		2,651			—			—			—			—
Transfer to Stage 3		—			—			(1,961	)		28			—			—			(168,034	)		11,315			—			—			169,995			(11,343	)		—			—			—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			—			—			19,038			—			—			—			(21,165	)		—			—			—			1,584			—			—			—			(543	)
Refinements to models used for calculation		—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—
Amounts written off		—			—			—			—			—			—			—			—			—			—			(5,543	)		5,543			—			—			(5,543	)		5,543
Foreign exchange adjustments		—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—
Subtotal Mortgage loans		—			—			12,036,923			(9,134	)		—			—			843,700			(13,988	)		—			—			352,469			(12,479	)		235			(31	)		13,233,327			(35,632	)

Consumer loans
Balance as of January 1, 2024		—			—			4,447,346			(164,290	)		—			—			578,426			(94,190	)		—			—			283,203			(157,673	)		1,487			(891	)		5,310,462			(417,044	)
Net change on Balance *		—			—			645,182			(33,166	)		—			—			(149,276	)		(13,955	)		—			—			79,130			(183,514	)		(50	)		82			574,986			(230,553	)
Transfer to Stage 1		—			—			1,219,853			(167,617	)		—			—			(1,160,767	)		140,356			—			—			(59,086	)		27,261			—			—			—			—
Transfer to Stage 2		—			—			(1,644,109	)		99,147			—			—			1,669,245			(110,753	)		—			—			(25,136	)		11,606			—			—			—			—
Transfer to Stage 3		—			—			(9,678	)		775			—			—			(345,130	)		152,660			—			—			354,808			(153,435	)		—			—			—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			—			—			120,007			—			—			—			(170,742	)		—			—			—			(43,061	)		—			—			—			(93,796	)
Refinements to models used for calculation		—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—
Amounts written off		—			—			—			—			—			—			—			—			—			—			(338,227	)		338,227			—			—			(338,227	)		338,227
Foreign exchange adjustments		—			—			7434			(63	)		—			—			330			(3	)		—			—			4			(2	)		—			—			7,768			(68	)
Subtotal Consumer loans		—			—			4,666,028			(145,207	)		—			—			592,828			(96,627	)		—			—			294,696			(160,591	)		1,437			(809	)		5,554,989			(403,234	)

Total		14,696,311			(49,824	)		20,731,542			(172,520	)		295,645			(11,171	)		1,848,492			(124,280	)		292,741			(65,893	)		1,060,783			(267,661	)		10,782			(2,085	)		38,936,296			(693,434	)

*	Net change between assets originated and assets repaid excluding write offs.

**	Represents the change in the year-end ECLs of exposures that were transferred from one stage to another during the year.

(d.1)

Impairment allowance for loans to customers, continued:

	Changes as of December 31, 2023
	Stage 1												Stage 2												Stage 3
	Individual						Group						Individual						Group						Individual						Group						POCI						Total
	Gross						Gross						Gross						Gross						Gross						Gross						Gross						Gross
	carrying						carrying						carrying						carrying						carrying						carrying						carrying						carrying
	amount			ECL			amount			ECL			amount			ECL			amount			ECL			amount			ECL			amount			ECL			amount			ECL			amount			ECL
	MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$
Commercial loans
Balance as of January 1, 2023		14,935,868			(67,132	)		4,232,711			(46,815	)		309,511			(54,679	)		299,345			(12,247	)		218,780			(53,675	)		309,359			(86,138	)		3,171			(781	)		20,308,745			(321,467	)
Net change on Balance *		(257,010	)		24,200			198,208			9,612			(80,797	)		37,103			(83,775	)		(1,000	)		(21,611	)		(26,358	)		(8,226	)		(55,616	)		5,722			(767	)		(247,489	)		(12,826	)
Transfer to Stage 1		288,294			(9,423	)		1,024,367			(32,758	)		(287,616	)		9,420			(993,013	)		27,693			(679	)		3			(31,353	)		5,065			—			—			—			—
Transfer to Stage 2		(430,074	)		1,395			(1,293,243	)		17,625			436,588			(1,707	)		1,309,442			(20,486	)		(6,514	)		312			(16,199	)		2,861			—			—			—			—
Transfer to Stage 3		(2,573	)		20			(18,801	)		1,046			(96,930	)		10,231			(181,506	)		19,228			99,502			(10,251	)		200,308			(20,274	)		—			—			—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			8,195			—			24,679			—			(8,654	)		—			(25,669	)		—			(3,766	)		—			(10,834	)		—			—			—			(16,049	)
Refinements to models used for calculation		—			(12,935	)		—			4,518			—			(1,766	)		—			1,665			—			—			—			59			—			—			—			(8,459	)
Amounts written off		—			—			—			—			—			—			—			—			(25,871	)		25,871			(74,206	)		74,206			—			—			(100,077	)		100,077
Foreign exchange adjustments		64,517			(229	)		1,427			(51	)		367			(64	)		119			(2	)		2,325			(526	)		111			(45	)		(1	)		—			68,865			(917	)
Subtotal Commercial loans		14,599,022			(55,909	)		4,144,669			(22,144	)		281,123			(10,116	)		350,612			(10,818	)		265,932			(68,390	)		379,794			(90,716	)		8,892			(1,548	)		20,030,044			(259,641	)

Mortgage loans
Balance as of January 1, 2023		—			—			10,490,690			(15,249	)		—			—			722,028			(21,553	)		—			—			209,604			(13,844	)		—			—			11,422,322			(50,646	)
Net change on Balance *		—			—			950,450			3,787			—			—			(26,788	)		(13,572	)		—			—			(26,492	)		1,189			—			—			897,170			(8,596	)
Transfer to Stage 1		—			—			2,091,400			(40,722	)		—			—			(2,071,249	)		39,977			—			—			(20,151	)		745			—			—			—			—
Transfer to Stage 2		—			—			(2,379,998	)		4,327			—			—			2,407,618			(6,867	)		—			—			(27,620	)		2,540			—			—			—			—
Transfer to Stage 3		—			—			(1,599	)		16			—			—			(147,046	)		18,021			—			—			148,645			(18,037	)		—			—			—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			—			—			37,408			—			—			—			(44,502	)		—			—			—			7,982			—			—			—			888
Refinements to models used for calculation		—			—			—			1,377			—			—			—			14,751			—			—			—			—			—			—			—			16,128
Amounts written off		—			—			—			—			—			—			—			—			—			—			(8,724	)		8,724			—			—			(8,724	)		8,724
Foreign exchange adjustments		—			—			—			—			—			—			—			—			—			—			—			—			—			—			—			—
Subtotal Mortgage loans		—			—			11,150,943			(9,056	)		—			—			884,563			(13,745	)		—			—			275,262			(10,701	)		—			—			12,310,768			(33,502	)

Consumer loans
Balance as of January 1, 2023		—			—			4,304,927			(227,372	)		—			—			460,669			(86,732	)		—			—			227,667			(134,171	)		1,967			(1,221	)		4,995,230			(449,496	)
Net change on Balance *		—			—			697,853			(21,330	)		—			—			(128,809	)		(14,903	)		—			—			70,032			(168,056	)		(480	)		330			638,596			(203,959	)
Transfer to Stage 1		—			—			1,271,755			(193,342	)		—			—			(1,231,470	)		172,319			—			—			(40,285	)		21,023			—			—			—			—
Transfer to Stage 2		—			—			(1,807,123	)		145,966			—			—			1,829,938			(157,221	)		—			—			(22,815	)		11,255			—			—			—			—
Transfer to Stage 3		—			—			(22,272	)		4,333			—			—			(351,957	)		165,046			—			—			374,229			(169,379	)		—			—			—			—
Impact on year-end ECL of exposures transferred between stages during the year**		—			—			—			126,021			—			—			—			(178,730	)		—			—			—			(43,970	)		—			—			—			(96,679	)
Refinements to models used for calculation		—			—			—			1,452			—			—			—			6,032			—			—			—			—			—			—			—			7,484
Amounts written off		—			—			—			—			—			—			—			—			—			—			(325,626	)		325,626			—			—			(325,626	)		325,626
Foreign exchange adjustments		—			—			2,206			(18	)		—			—			55			(1	)		—			—			1			(1	)		—			—			2,262			(20	)
Subtotal Consumer loans		—			—			4,447,346			(164,290	)		—			—			578,426			(94,190	)		—			—			283,203			(157,673	)		1,487			(891	)		5,310,462			(417,044	)

Total		14,599,022			(55,909	)		19,742,958			(195,490	)		281,123			(10,116	)		1,813,601			(118,753	)		265,932			(68,390	)		938,259			(259,090	)		10,379			(2,439	)		37,651,274			(710,187	)

*	Net change between assets originated and assets repaid excluding write offs.

**	Represents the change in the year-end ECLs of exposures that were transferred from one stage to another during the year.

(e)

Loans by industry sector:

The following table details the Bank’s loan portfolio as of December 31, 2024 and 2023 by the customer’s industry sector and their respective economic activity:

	Credit and Contingent loans Exposure												Allowances Established
	Domestic loans				Foreign loans				Total		Total		Domestic loans						Foreign loans						Total			Total
	2024		2023		2024		2023		2024		2023		2024			2023			2024			2023			2024			2023
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$			MCh$			MCh$			MCh$			MCh$			MCh$
Loans and advances to Banks	300,042		2,100,933		367,661		418,998		667,703		2,519,931		(895		)	—			(1,093		)	(1,341		)	(1,988		)	(1,341		)

Commercial loans
Agriculture and livestock		751,838		788,942		—		—		751,838		788,942		(9,240	)		(9,046	)		—			—			(9,240	)		(9,046	)
Fruit		730,718		646,608		—		—		730,718		646,608		(9,087	)		(4,456	)		—			—			(9,087	)		(4,456	)
Forestry		89,777		101,406		—		—		89,777		101,406		(2,767	)		(1,352	)		—			—			(2,767	)		(1,352	)
Fishing		29,465		26,339		—		—		29,465		26,339		(644	)		(788	)		—			—			(644	)		(788	)
Mining		864,867		417,164		—		—		864,867		417,164		(3,750	)		(2,532	)		—			—			(3,750	)		(2,532	)
Oil and natural gas		211		416		—		—		211		416		(8	)		(8	)		—			—			(8	)		(8	)
Product manufacturing industries:
Foods, beverages and tobacco		657,462		513,197		—		—		657,462		513,197		(5,893	)		(10,565	)		—			—			(5,893	)		(10,565	)
Textiles, leather goods and footwear		28,874		33,100		—		—		28,874		33,100		(788	)		(599	)		—			—			(788	)		(599	)
Woods and furnitures		89,394		78,409		—		—		89,394		78,409		(1,225	)		(1,295	)		—			—			(1,225	)		(1,295	)
Cellulose, Paper and printing		15,882		16,931		—		—		15,882		16,931		(365	)		(591	)		—			—			(365	)		(591	)
Chemicals and petroleum products		321,820		298,883		—		—		321,820		298,883		(2,389	)		(2,046	)		—			—			(2,389	)		(2,046	)
Metal, non-metal, machine or others		482,281		551,922		—		—		482,281		551,922		(5,541	)		(7,367	)		—			—			(5,541	)		(7,367	)
Electricity, gas and water		242,052		438,147		104,988		1,326		347,040		439,473		(1,448	)		(2,342	)		(27	)		(19	)		(1,475	)		(2,361	)
Residential construction		195,883		265,086		—		—		195,883		265,086		(6,461	)		(9,699	)		—			—			(6,461	)		(9,699	)
Non-residential construction (office, civil engineering)		482,763		409,154		—		—		482,763		409,154		(10,126	)		(11,060	)		—			—			(10,126	)		(11,060	)
Wholesale		1,581,915		1,798,723		—		—		1,581,915		1,798,723		(31,119	)		(34,250	)		—			—			(31,119	)		(34,250	)
Retail, restaurants and hotels		1,044,935		1,016,553		—		—		1,044,935		1,016,553		(35,983	)		(34,404	)		—			—			(35,983	)		(34,404	)
Transport and storage		1,036,903		1,105,436		—		—		1,036,903		1,105,436		(14,832	)		(16,599	)		—			—			(14,832	)		(16,599	)
Communications		214,386		102,522		—		—		214,386		102,522		(2,746	)		(2,121	)		—			—			(2,746	)		(2,121	)
Financial services		2,995,023		3,219,991		—		—		2,995,023		3,219,991		(8,090	)		(9,217	)		—			—			(8,090	)		(9,217	)
Business services		1,973,354		1,976,971		—		—		1,973,354		1,976,971		(39,158	)		(38,908	)		—			—			(39,158	)		(38,908	)
Real estate services		3,349,165		3,361,066		14,882		19,931		3,364,047		3,380,997		(15,786	)		(15,986	)		(114	)		(273	)		(15,900	)		(16,259	)
Student loans		52,511		56,924		—		—		52,511		56,924		(2,462	)		(2,744	)		—			—			(2,462	)		(2,744	)
Government administration, defence and police force		16,895		21,438		—		—		16,895		21,438		(228	)		(269	)		—			—			(228	)		(269	)
Social services and other community services		900,847		900,822		—		—		900,847		900,822		(13,430	)		(13,044	)		—			—			(13,430	)		(13,044	)
Personal services		1,878,889		1,862,637		—		—		1,878,889		1,862,637		(30,861	)		(28,061	)		—			—			(30,861	)		(28,061	)
Subtotal		20,028,110		20,008,787		119,870		21,257		20,147,980		20,030,044		(254,427	)		(259,349	)		(141	)		(292	)		(254,568	)		(259,641	)

Residential mortgage loans		13,233,327		12,310,768		—		—		13,233,327		12,310,768		(35,632	)		(33,502	)		—			—			(35,632	)		(33,502	)

Consumer loans		5,554,989		5,310,462		—		—		5,554,989		5,310,462		(403,234	)		(417,044	)		—			—			(403,234	)		(417,044	)

Contingent loan exposure		15,080,768		13,547,435		—		—		15,080,768		13,547,435		(87,485	)		(89,640	)		—			—			(87,485	)		(89,640	)

(f)

Loans by tranches of days past-due:

The following table details the Bank’s loan portfolio as of December 31, 2024 and 2023 by tranches of days past-due:

	Financial assets before allowances																Allowances established
As of December 31, 2024	Stage 1 Evaluation				Stage 2 Evaluation				Stage 3 Evaluation								Stage 1 Evaluation						Stage 2 Evaluation						Stage 3 Evaluation												Net Financial
	Individual		Group		Individual		Group		Individual		Group		POCI		Total		Individual			Group			Individual			Group			Individual			Group			POCI			Total			Assets
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$
Loans and advances to Banks
0 days		596,974		—		—		—		—		—		—		596,974		(1,781	)		—			—			—			—			—			—			(1,781	)		595,193
1 to 29 days		70,729		—		—		—		—		—		—		70,729		(207	)		—			—			—			—			—			—			(207	)		70,522
30 to 59 days		—		—		—		—		—		—		—		—		—			—			—			—			—			—			—			—			—
60 to 89 days		—		—		—		—		—		—		—		—		—			—			—			—			—			—			—			—			—
> = 90 days		—		—		—		—		—		—		—		—		—			—			—			—			—			—			—			—			—
Subtotal		667,703		—		—		—		—		—		—		667,703		(1,988	)		—			—			—			—			—			—			(1,988	)		665,715

Commercial loans
0 days		14,460,417		4,022,272		260,184		216,024		142,884		98,943		8,434		19,209,158		(48,974	)		(18,047	)		(9,754	)		(3,036	)		(20,514	)		(15,003	)		(809	)		(116,137	)		19,093,021
1 to 29 days		214,772		6,319		22,159		139,909		18,146		35,517		676		437,498		(764	)		(132	)		(858	)		(5,985	)		(2,750	)		(5,129	)		(436	)		(16,054	)		421,444
30 to 59 days		12,415		—		10,990		43,057		22,310		34,271		—		123,043		(34	)		—			(380	)		(3,106	)		(6,776	)		(5,361	)		—			(15,657	)		107,386
60 to 89 days		8,707		—		2,312		12,974		8,749		20,850		—		53,592		(52	)		—			(179	)		(1,538	)		(1,076	)		(3,718	)		—			(6,563	)		47,029
> = 90 days		—		—		—		—		100,652		224,037		—		324,689		—			—			—			—			(34,777	)		(65,380	)		—			(100,157	)		224,532
Subtotal		14,696,311		4,028,591		295,645		411,964		292,741		413,618		9,110		20,147,980		(49,824	)		(18,179	)		(11,171	)		(13,665	)		(65,893	)		(94,591	)		(1,245	)		(254,568	)		19,893,412

Residential mortgage loans
0 days		—		11,924,679		—		594,254		—		65,275		235		12,584,443		—			(7,796	)		—			(4,747	)		—			(3,047	)		(31	)		(15,621	)		12,568,822
1 to 29 days		—		112,244		—		128,071		—		35,915		—		276,230		—			(1,338	)		—			(2,746	)		—			(1,031	)		—			(5,115	)		271,115
30 to 59 days		—		—		—		90,397		—		36,030		—		126,427		—			—			—			(4,185	)		—			(1,054	)		—			(5,239	)		121,188
60 to 89 days		—		—		—		30,978		—		24,045		—		55,023		—			—			—			(2,310	)		—			(755	)		—			(3,065	)		51,958
> = 90 days		—		—		—		—		—		191,204		—		191,204		—			—			—			—			—			(6,592	)		—			(6,592	)		184,612
Subtotal		—		12,036,923		—		843,700		—		352,469		235		13,233,327		—			(9,134	)		—			(13,988	)		—			(12,479	)		(31	)		(35,632	)		13,197,695

Consumer loans
0 days		—		4,661,049		—		378,949		—		92,941		537		5,133,476		—			(144,631	)		—			(24,156	)		—			(45,890	)		(229	)		(214,906	)		4,918,570
1 to 29 days		—		4,979		—		142,585		—		32,946		900		181,410		—			(576	)		—			(42,433	)		—			(16,250	)		(580	)		(59,839	)		121,571
30 to 59 days		—		—		—		53,655		—		36,266		—		89,921		—			—			—			(21,220	)		—			(19,455	)		—			(40,675	)		49,246
60 to 89 days		—		—		—		17,639		—		25,996		—		43,635		—			—			—			(8,818	)		—			(14,668	)		—			(23,486	)		20,149
> = 90 days		—		—		—		—		—		106,547		—		106,547		—			—			—			—			—			(64,328	)		—			(64,328	)		42,219
Subtotal		—		4,666,028		—		592,828		—		294,696		1,437		5,554,989		—			(145,207	)		—			(96,627	)		—			(160,591	)		(809	)		(403,234	)		5,151,755

Total Loans		15,364,014		20,731,542		295,645		1,848,492		292,741		1,060,783		10,782		39,603,999		(51,812	)		(172,520	)		(11,171	)		(124,280	)		(65,893	)		(267,661	)		(2,085	)		(695,422	)		38,908,577

	Financial assets before allowances																Allowances established
As of December 31, 2023	Stage 1 Evaluation				Stage 2 Evaluation				Stage 3 Evaluation								Stage 1 Evaluation						Stage 2 Evaluation						Stage 3 Evaluation												Net Financial
	Individual		Group		Individual		Group		Individual		Group		POCI		Total		Individual			Group			Individual			Group			Individual			Group			POCI			Total			Assets
	MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$		MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$			MCh$
Loans and advances to Banks
0 days		2,432,163		—		—		—		—		—		—		2,432,163		(909	)		—			—			—			—			—			—			(909	)		2,431,254
1 to 29 days		87,768		—		—		—		—		—		—		87,768		(432	)		—			—			—			—			—			—			(432	)		87,336
30 to 59 days		—		—		—		—		—		—		—		—		—			—			—			—			—			—			—			—			—
60 to 89 days		—		—		—		—		—		—		—		—		—			—			—			—			—			—			—			—			—
> = 90 days		—		—		—		—		—		—		—		—		—			—			—			—			—			—			—			—			—
Subtotal		2,519,931		—		—		—		—		—		—		2,519,931		(1,341	)		—			—			—			—			—			—			(1,341	)		2,518,590

Commercial loans
0 days		14,430,127		4,117,186		237,042		210,755		89,282		90,287		8,168		19,182,847		(55,341	)		(21,025	)		(8,204	)		(2,979	)		(20,131	)		(15,064	)		(1,137	)		(123,881	)		19,058,966
1 to 29 days		148,791		27,483		26,668		88,195		9,591		28,001		724		329,453		(459	)		(1,119	)		(719	)		(3,745	)		(2,123	)		(4,172	)		(411	)		(12,748	)		316,705
30 to 59 days		12,759		—		13,111		42,034		18,279		29,025		—		115,208		(49	)		—			(1,006	)		(2,993	)		(2,484	)		(4,590	)		—			(11,122	)		104,086
60 to 89 days		7,345		—		4,302		9,628		8,614		23,580		—		53,469		(60	)		—			(187	)		(1,101	)		(461	)		(3,774	)		—			(5,583	)		47,886
> = 90 days		—		—		—		—		140,166		208,901		—		349,067		—			—			—			—			(43,191	)		(63,116	)		—			(106,307	)		242,760
Subtotal		14,599,022		4,144,669		281,123		350,612		265,932		379,794		8,892		20,030,044		(55,909	)		(22,144	)		(10,116	)		(10,818	)		(68,390	)		(90,716	)		(1,548	)		(259,641	)		19,770,403

Residential mortgage loans
0 days		—		11,130,137		—		599,734		—		50,882		—		11,780,753		—			(8,538	)		—			(4,728	)		—			(2,346	)		—			(15,612	)		11,765,141
1 to 29 days		—		20,806		—		187,607		—		30,277		—		238,690		—			(518	)		—			(3,760	)		—			(919	)		—			(5,197	)		233,493
30 to 59 days		—		—		—		74,184		—		27,827		—		102,011		—			—			—			(3,611	)		—			(861	)		—			(4,472	)		97,539
60 to 89 days		—		—		—		23,038		—		24,732		—		47,770		—			—			—			(1,646	)		—			(1,314	)		—			(2,960	)		44,810
> = 90 days		—		—		—		—		—		141,544		—		141,544		—			—			—			—			—			(5,261	)		—			(5,261	)		136,283
Subtotal		—		11,150,943		—		884,563		—		275,262		—		12,310,768		—			(9,056	)		—			(13,745	)		—			(10,701	)		—			(33,502	)		12,277,266

Consumer loans
0 days		—		4,406,805		—		391,601		—		90,983		464		4,889,853		—			(152,643	)		—			(27,036	)		—			(46,325	)		(234	)		(226,238	)		4,663,615
1 to 29 days		—		40,541		—		106,672		—		26,734		1,023		174,970		—			(11,647	)		—			(32,205	)		—			(13,177	)		(657	)		(57,686	)		117,284
30 to 59 days		—		—		—		61,334		—		32,441		—		93,775		—			—			—			(24,624	)		—			(17,384	)		—			(42,008	)		51,767
60 to 89 days		—		—		—		18,819		—		31,703		—		50,522		—			—			—			(10,325	)		—			(17,644	)		—			(27,969	)		22,553
> = 90 days		—		—		—		—		—		101,342		—		101,342		—			—			—			—			—			(63,143	)		—			(63,143	)		38,199
Subtotal		—		4,447,346		—		578,426		—		283,203		1,487		5,310,462		—			(164,290	)		—			(94,190	)		—			(157,673	)		(891	)		(417,044	)		4,893,418

Total Loans		17,118,953		19,742,958		281,123		1,813,601		265,932		938,259		10,379		40,171,205		(57,250	)		(195,490	)		(10,116	)		(118,753	)		(68,390	)		(259,090	)		(2,439	)		(711,528	)		39,459,677

(g)

Financial Lease Contracts:

As of December 31, 2024 and 2023, the Bank’s scheduled cash flows to be received from financial leasing contracts have the following maturities as follows:

	Total receivable				Unearned income						Net lease receivable (*)
	2024		2023		2024			2023			2024		2023
	MCh$		MCh$		MCh$			MCh$			MCh$		MCh$
Due within one year		668,951		610,657		(99,075	)		(88,444	)		569,876		522,213
Due after 1 year but within 2 years		501,065		453,713		(71,170	)		(63,079	)		429,895		390,634
Due after 2 years but within 3 years		343,985		301,560		(45,055	)		(38,839	)		298,930		262,721
Due after 3 years but within 4 years		211,905		199,376		(29,193	)		(25,018	)		182,712		174,358
Due after 4 years but within 5 years		165,414		133,011		(20,517	)		(17,248	)		144,897		115,763
Due after 5 years		401,645		383,050		(45,823	)		(36,064	)		355,822		346,986
Total		2,292,965		2,081,367		(310,833	)		(268,692	)		1,982,132		1,812,675

(*)

The net balance receivable does not include the total overdue portfolio totaling Ch$9,851 million and Ch$10,200 million as of December 31, 2024 and 2023, respectively. This overdue portfolio only reflects the past due portion without considering the remaining outstanding principal and interest.

The Bank maintains financial lease operations associated with real estate, industrial machinery, vehicles and transportation equipment. These leases contracts have an average term between 2 and 15 years.

Other disclosures:

As of December 31, 2023, under the Commercial Loans item, operations are maintained that guarantee obligations maintained with the Central Bank of Chile as part of the Loan Increase Conditional Credit Facility (FCIC by its Spanish initials) program for an approximate amount of Ch$2,573,423 million. There are no guarantees delivered as of December 31, 2024 for this concept given that the program came to an end on July 1, 2024.

(h)

Purchase of loan portfolio:

During the year 2024 and 2023 no portfolio purchases were made.

(i)

Sale or transfer of credits from the loans to customers:

During 2024 and 2023 the Bank has carried out transactions of sale or transfer of the loan portfolio according to the following:

	As of December 31, 2024
	Carrying amount		Allowances released			Sale price		Effect on income (loss) gain (*)
	MCh$		MCh$			MCh$		MCh$
Sale of outstanding loans		4,273		(410	)		4,045		182
Sale of write-off loans		—		—			18		18
Total		4,273		(410	)		4,063		200

	As of December 31, 2023
	Carrying amount		Allowances released			Sale price		Effect on income (loss) gain (*)
	MCh$		MCh$			MCh$		MCh$
Sale of outstanding loans		17,013		(262	)		17,007		256
Sale of write-off loans		—		—			—		—
Total		17,013		(262	)		17,007		256

(*)

See Note No. 31.

(j)

Securitization of own assets:

During the years 2024 and 2023, there are not securitization transactions executed involving its own assets.