Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) - CLP ($)
$ in Millions |
12 Months Ended |
Dec. 31, 2024 |
Dec. 31, 2023 |
| Commercial Loans [Member] | ECL [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
$ (259,641)
|
$ (321,467)
|
| Net change on Balance |
[1] |
(47,674)
|
(12,826)
|
| 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 |
[2] |
(45,219)
|
(16,049)
|
| Refinements to models used for calculation |
|
|
(8,459)
|
| Amounts written off |
|
101,428
|
100,077
|
| Foreign exchange adjustments |
|
(3,462)
|
(917)
|
| Subtotal Commercial loans |
|
(254,568)
|
(259,641)
|
| Commercial Loans [Member] | ECL [Member] | Stage 1 Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(55,909)
|
(67,132)
|
| Net change on Balance |
[1] |
7,223
|
24,200
|
| Transfer to Stage 1 |
|
(1,822)
|
(9,423)
|
| Transfer to Stage 2 |
|
1,150
|
1,395
|
| Transfer to Stage 3 |
|
50
|
20
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
1,113
|
8,195
|
| Refinements to models used for calculation |
|
|
(12,935)
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
(1,629)
|
(229)
|
| Subtotal Commercial loans |
|
(49,824)
|
(55,909)
|
| Commercial Loans [Member] | ECL [Member] | Stage 1 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(22,144)
|
(46,815)
|
| Net change on Balance |
[1] |
(2,096)
|
9,612
|
| Transfer to Stage 1 |
|
(27,789)
|
(32,758)
|
| Transfer to Stage 2 |
|
11,433
|
17,625
|
| Transfer to Stage 3 |
|
233
|
1,046
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
22,291
|
24,679
|
| Refinements to models used for calculation |
|
|
4,518
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
(107)
|
(51)
|
| Subtotal Commercial loans |
|
(18,179)
|
(22,144)
|
| Commercial Loans [Member] | ECL [Member] | Stage 2 Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(10,116)
|
(54,679)
|
| Net change on Balance |
[1] |
4,572
|
37,103
|
| Transfer to Stage 1 |
|
1,798
|
9,420
|
| Transfer to Stage 2 |
|
(1,796)
|
(1,707)
|
| Transfer to Stage 3 |
|
6,074
|
10,231
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
(11,514)
|
(8,654)
|
| Refinements to models used for calculation |
|
|
(1,766)
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
(189)
|
(64)
|
| Subtotal Commercial loans |
|
(11,171)
|
(10,116)
|
| Commercial Loans [Member] | ECL [Member] | Stage 2 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(10,818)
|
(12,247)
|
| Net change on Balance |
[1] |
(2,444)
|
(1,000)
|
| Transfer to Stage 1 |
|
21,839
|
27,693
|
| Transfer to Stage 2 |
|
(13,357)
|
(20,486)
|
| Transfer to Stage 3 |
|
17,966
|
19,228
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
(26,844)
|
(25,669)
|
| Refinements to models used for calculation |
|
|
1,665
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
(7)
|
(2)
|
| Subtotal Commercial loans |
|
(13,665)
|
(10,818)
|
| Commercial Loans [Member] | ECL [Member] | Stage 3 - Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(68,390)
|
(53,675)
|
| Net change on Balance |
[1] |
(12,716)
|
(26,358)
|
| Transfer to Stage 1 |
|
24
|
3
|
| Transfer to Stage 2 |
|
646
|
312
|
| Transfer to Stage 3 |
|
(6,124)
|
(10,251)
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
(15,953)
|
(3,766)
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
37,936
|
25,871
|
| Foreign exchange adjustments |
|
(1,316)
|
(526)
|
| Subtotal Commercial loans |
|
(65,893)
|
(68,390)
|
| Commercial Loans [Member] | ECL [Member] | Stage 3 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(90,716)
|
(86,138)
|
| Net change on Balance |
[1] |
(42,516)
|
(55,616)
|
| Transfer to Stage 1 |
|
5,950
|
5,065
|
| Transfer to Stage 2 |
|
1,924
|
2,861
|
| Transfer to Stage 3 |
|
(18,199)
|
(20,274)
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
(14,312)
|
(10,834)
|
| Refinements to models used for calculation |
|
|
59
|
| Amounts written off |
|
63,492
|
74,206
|
| Foreign exchange adjustments |
|
(214)
|
(45)
|
| Subtotal Commercial loans |
|
(94,591)
|
(90,716)
|
| Commercial Loans [Member] | ECL [Member] | Financial instruments purchased or originated credit-impaired [member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(1,548)
|
(781)
|
| Net change on Balance |
[1] |
303
|
(767)
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Commercial loans |
|
(1,245)
|
(1,548)
|
| Mortgage Loans [Member] | ECL [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(33,502)
|
(50,646)
|
| Net change on Balance |
[1] |
(7,130)
|
(8,596)
|
| 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 |
[2] |
(543)
|
888
|
| Refinements to models used for calculation |
|
|
16,128
|
| Amounts written off |
|
5,543
|
8,724
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
(35,632)
|
(33,502)
|
| Mortgage Loans [Member] | ECL [Member] | Stage 1 Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
|
|
| Mortgage Loans [Member] | ECL [Member] | Stage 1 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(9,056)
|
(15,249)
|
| Net change on Balance |
[1] |
(318)
|
3,787
|
| Transfer to Stage 1 |
|
(22,137)
|
(40,722)
|
| Transfer to Stage 2 |
|
3,311
|
4,327
|
| Transfer to Stage 3 |
|
28
|
16
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
19,038
|
37,408
|
| Refinements to models used for calculation |
|
|
1,377
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
(9,134)
|
(9,056)
|
| Mortgage Loans [Member] | ECL [Member] | Stage 2 Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
|
|
| Mortgage Loans [Member] | ECL [Member] | Stage 2 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(13,745)
|
(21,553)
|
| Net change on Balance |
[1] |
(5,891)
|
(13,572)
|
| Transfer to Stage 1 |
|
21,460
|
39,977
|
| Transfer to Stage 2 |
|
(5,962)
|
(6,867)
|
| Transfer to Stage 3 |
|
11,315
|
18,021
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
(21,165)
|
(44,502)
|
| Refinements to models used for calculation |
|
|
14,751
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
(13,988)
|
(13,745)
|
| Mortgage Loans [Member] | ECL [Member] | Stage 3 - Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
|
|
| Mortgage Loans [Member] | ECL [Member] | Stage 3 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(10,701)
|
(13,844)
|
| Net change on Balance |
[1] |
(890)
|
1,189
|
| Transfer to Stage 1 |
|
677
|
745
|
| Transfer to Stage 2 |
|
2,651
|
2,540
|
| Transfer to Stage 3 |
|
(11,343)
|
(18,037)
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
1,584
|
7,982
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
5,543
|
8,724
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
(12,479)
|
(10,701)
|
| Mortgage Loans [Member] | ECL [Member] | Financial instruments purchased or originated credit-impaired [member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
(31)
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
(31)
|
|
| Consumer Loans [Member] | ECL [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(417,044)
|
(449,496)
|
| Net change on Balance |
[1] |
(230,553)
|
(203,959)
|
| 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 |
[2] |
(93,796)
|
(96,679)
|
| Refinements to models used for calculation |
|
|
7,484
|
| Amounts written off |
|
338,227
|
325,626
|
| Foreign exchange adjustments |
|
(68)
|
(20)
|
| Subtotal Consumer loans |
|
(403,234)
|
(417,044)
|
| Total |
|
(693,434)
|
(710,187)
|
| Consumer Loans [Member] | ECL [Member] | Stage 1 Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Consumer loans |
|
|
|
| Total |
|
(49,824)
|
(55,909)
|
| Consumer Loans [Member] | ECL [Member] | Stage 1 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(164,290)
|
(227,372)
|
| Net change on Balance |
[1] |
(33,166)
|
(21,330)
|
| Transfer to Stage 1 |
|
(167,617)
|
(193,342)
|
| Transfer to Stage 2 |
|
99,147
|
145,966
|
| Transfer to Stage 3 |
|
775
|
4,333
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
120,007
|
126,021
|
| Refinements to models used for calculation |
|
|
1,452
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
(63)
|
(18)
|
| Subtotal Consumer loans |
|
(145,207)
|
(164,290)
|
| Total |
|
(172,520)
|
(195,490)
|
| Consumer Loans [Member] | ECL [Member] | Stage 2 Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Consumer loans |
|
|
|
| Total |
|
(11,171)
|
(10,116)
|
| Consumer Loans [Member] | ECL [Member] | Stage 2 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(94,190)
|
(86,732)
|
| Net change on Balance |
[1] |
(13,955)
|
(14,903)
|
| Transfer to Stage 1 |
|
140,356
|
172,319
|
| Transfer to Stage 2 |
|
(110,753)
|
(157,221)
|
| Transfer to Stage 3 |
|
152,660
|
165,046
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
(170,742)
|
(178,730)
|
| Refinements to models used for calculation |
|
|
6,032
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
(3)
|
(1)
|
| Subtotal Consumer loans |
|
(96,627)
|
(94,190)
|
| Total |
|
(124,280)
|
(118,753)
|
| Consumer Loans [Member] | ECL [Member] | Stage 3 - Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Consumer loans |
|
|
|
| Total |
|
(65,893)
|
(68,390)
|
| Consumer Loans [Member] | ECL [Member] | Stage 3 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(157,673)
|
(134,171)
|
| Net change on Balance |
[1] |
(183,514)
|
(168,056)
|
| Transfer to Stage 1 |
|
27,261
|
21,023
|
| Transfer to Stage 2 |
|
11,606
|
11,255
|
| Transfer to Stage 3 |
|
(153,435)
|
(169,379)
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
(43,061)
|
(43,970)
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
338,227
|
325,626
|
| Foreign exchange adjustments |
|
(2)
|
(1)
|
| Subtotal Consumer loans |
|
(160,591)
|
(157,673)
|
| Total |
|
(267,661)
|
(259,090)
|
| Consumer Loans [Member] | ECL [Member] | Financial instruments purchased or originated credit-impaired [member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
(891)
|
(1,221)
|
| Net change on Balance |
[1] |
82
|
330
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Consumer loans |
|
(809)
|
(891)
|
| Total |
|
(2,085)
|
(2,439)
|
| Gross Carrying Amount [Member] | Commercial Loans [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
20,030,044
|
20,308,745
|
| Net change on Balance |
[1] |
(149,536)
|
(247,489)
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
(101,428)
|
(100,077)
|
| Foreign exchange adjustments |
|
368,900
|
68,865
|
| Subtotal Commercial loans |
|
20,147,980
|
20,030,044
|
| Gross Carrying Amount [Member] | Commercial Loans [Member] | Stage 1 Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
14,599,022
|
14,935,868
|
| Net change on Balance |
[1] |
(72,104)
|
(257,010)
|
| Transfer to Stage 1 |
|
161,583
|
288,294
|
| Transfer to Stage 2 |
|
(336,150)
|
(430,074)
|
| Transfer to Stage 3 |
|
(5,313)
|
(2,573)
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
349,273
|
64,517
|
| Subtotal Commercial loans |
|
14,696,311
|
14,599,022
|
| Gross Carrying Amount [Member] | Commercial Loans [Member] | Stage 1 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
4,144,669
|
4,232,711
|
| Net change on Balance |
[1] |
193,235
|
198,208
|
| Transfer to Stage 1 |
|
1,001,203
|
1,024,367
|
| Transfer to Stage 2 |
|
(1,302,470)
|
(1,293,243)
|
| Transfer to Stage 3 |
|
(14,149)
|
(18,801)
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
6,103
|
1,427
|
| Subtotal Commercial loans |
|
4,028,591
|
4,144,669
|
| Gross Carrying Amount [Member] | Commercial Loans [Member] | Stage 2 Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
281,123
|
309,511
|
| Net change on Balance |
[1] |
(80,536)
|
(80,797)
|
| Transfer to Stage 1 |
|
(161,158)
|
(287,616)
|
| Transfer to Stage 2 |
|
352,733
|
436,588
|
| Transfer to Stage 3 |
|
(102,974)
|
(96,930)
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
6,457
|
367
|
| Subtotal Commercial loans |
|
295,645
|
281,123
|
| Gross Carrying Amount [Member] | Commercial Loans [Member] | Stage 2 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
350,612
|
299,345
|
| Net change on Balance |
[1] |
(90,492)
|
(83,775)
|
| Transfer to Stage 1 |
|
(961,260)
|
(993,013)
|
| Transfer to Stage 2 |
|
1,318,794
|
1,309,442
|
| Transfer to Stage 3 |
|
(205,881)
|
(181,506)
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
191
|
119
|
| Subtotal Commercial loans |
|
411,964
|
350,612
|
| Gross Carrying Amount [Member] | Commercial Loans [Member] | Stage 3 - Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
265,932
|
218,780
|
| Net change on Balance |
[1] |
(32,872)
|
(21,611)
|
| Transfer to Stage 1 |
|
(425)
|
(679)
|
| Transfer to Stage 2 |
|
(16,583)
|
(6,514)
|
| Transfer to Stage 3 |
|
108,287
|
99,502
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
(37,936)
|
(25,871)
|
| Foreign exchange adjustments |
|
6,338
|
2,325
|
| Subtotal Commercial loans |
|
292,741
|
265,932
|
| Gross Carrying Amount [Member] | Commercial Loans [Member] | Stage 3 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
379,794
|
309,359
|
| Net change on Balance |
[1] |
(66,985)
|
(8,226)
|
| Transfer to Stage 1 |
|
(39,943)
|
(31,353)
|
| Transfer to Stage 2 |
|
(16,324)
|
(16,199)
|
| Transfer to Stage 3 |
|
220,030
|
200,308
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
(63,492)
|
(74,206)
|
| Foreign exchange adjustments |
|
538
|
111
|
| Subtotal Commercial loans |
|
413,618
|
379,794
|
| Gross Carrying Amount [Member] | Commercial Loans [Member] | Financial instruments purchased or originated credit-impaired [member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
8,892
|
3,171
|
| Net change on Balance |
[1] |
218
|
5,722
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
(1)
|
| Subtotal Commercial loans |
|
9,110
|
8,892
|
| Gross Carrying Amount [Member] | Mortgage Loans [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
12,310,768
|
11,422,322
|
| Net change on Balance |
[1] |
928,102
|
897,170
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
(5,543)
|
(8,724)
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
13,233,327
|
12,310,768
|
| Gross Carrying Amount [Member] | Mortgage Loans [Member] | Stage 1 Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
|
|
| Gross Carrying Amount [Member] | Mortgage Loans [Member] | Stage 1 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
11,150,943
|
10,490,690
|
| Net change on Balance |
[1] |
1,002,887
|
950,450
|
| Transfer to Stage 1 |
|
2,078,720
|
2,091,400
|
| Transfer to Stage 2 |
|
(2,193,666)
|
(2,379,998)
|
| Transfer to Stage 3 |
|
(1,961)
|
(1,599)
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
12,036,923
|
11,150,943
|
| Gross Carrying Amount [Member] | Mortgage Loans [Member] | Stage 2 Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
|
|
| Gross Carrying Amount [Member] | Mortgage Loans [Member] | Stage 2 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
884,563
|
722,028
|
| Net change on Balance |
[1] |
(37,060)
|
(26,788)
|
| Transfer to Stage 1 |
|
(2,057,279)
|
(2,071,249)
|
| Transfer to Stage 2 |
|
2,221,510
|
2,407,618
|
| Transfer to Stage 3 |
|
(168,034)
|
(147,046)
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
843,700
|
884,563
|
| Gross Carrying Amount [Member] | Mortgage Loans [Member] | Stage 3 - Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
|
|
| Gross Carrying Amount [Member] | Mortgage Loans [Member] | Stage 3 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
275,262
|
209,604
|
| Net change on Balance |
[1] |
(37,960)
|
(26,492)
|
| Transfer to Stage 1 |
|
(21,441)
|
(20,151)
|
| Transfer to Stage 2 |
|
(27,844)
|
(27,620)
|
| Transfer to Stage 3 |
|
169,995
|
148,645
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
(5,543)
|
(8,724)
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
352,469
|
275,262
|
| Gross Carrying Amount [Member] | Mortgage Loans [Member] | Financial instruments purchased or originated credit-impaired [member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
235
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Mortgage loans |
|
235
|
|
| Gross Carrying Amount [Member] | Consumer Loans [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
5,310,462
|
4,995,230
|
| Net change on Balance |
[1] |
574,986
|
638,596
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
(338,227)
|
(325,626)
|
| Foreign exchange adjustments |
|
7,768
|
2,262
|
| Subtotal Consumer loans |
|
5,554,989
|
5,310,462
|
| Total |
|
38,936,296
|
37,651,274
|
| Gross Carrying Amount [Member] | Consumer Loans [Member] | Stage 1 Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Consumer loans |
|
|
|
| Total |
|
14,696,311
|
14,599,022
|
| Gross Carrying Amount [Member] | Consumer Loans [Member] | Stage 1 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
4,447,346
|
4,304,927
|
| Net change on Balance |
[1] |
645,182
|
697,853
|
| Transfer to Stage 1 |
|
1,219,853
|
1,271,755
|
| Transfer to Stage 2 |
|
(1,644,109)
|
(1,807,123)
|
| Transfer to Stage 3 |
|
(9,678)
|
(22,272)
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
7,434
|
2,206
|
| Subtotal Consumer loans |
|
4,666,028
|
4,447,346
|
| Total |
|
20,731,542
|
19,742,958
|
| Gross Carrying Amount [Member] | Consumer Loans [Member] | Stage 2 Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Consumer loans |
|
|
|
| Total |
|
295,645
|
281,123
|
| Gross Carrying Amount [Member] | Consumer Loans [Member] | Stage 2 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
578,426
|
460,669
|
| Net change on Balance |
[1] |
(149,276)
|
(128,809)
|
| Transfer to Stage 1 |
|
(1,160,767)
|
(1,231,470)
|
| Transfer to Stage 2 |
|
1,669,245
|
1,829,938
|
| Transfer to Stage 3 |
|
(345,130)
|
(351,957)
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
330
|
55
|
| Subtotal Consumer loans |
|
592,828
|
578,426
|
| Total |
|
1,848,492
|
1,813,601
|
| Gross Carrying Amount [Member] | Consumer Loans [Member] | Stage 3 - Individual [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
|
|
| Net change on Balance |
[1] |
|
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Consumer loans |
|
|
|
| Total |
|
292,741
|
265,932
|
| Gross Carrying Amount [Member] | Consumer Loans [Member] | Stage 3 Group [Member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
283,203
|
227,667
|
| Net change on Balance |
[1] |
79,130
|
70,032
|
| Transfer to Stage 1 |
|
(59,086)
|
(40,285)
|
| Transfer to Stage 2 |
|
(25,136)
|
(22,815)
|
| Transfer to Stage 3 |
|
354,808
|
374,229
|
| Impact on year-end ECL of exposures transferred between stages during the year |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
(338,227)
|
(325,626)
|
| Foreign exchange adjustments |
|
4
|
1
|
| Subtotal Consumer loans |
|
294,696
|
283,203
|
| Total |
|
1,060,783
|
938,259
|
| Gross Carrying Amount [Member] | Consumer Loans [Member] | Financial instruments purchased or originated credit-impaired [member] |
|
|
|
| Financial Assets at Amortized Cost - Schedule of Gross Carrying Amount and Corresponding Allowance for ECL (Details) [Line Items] |
|
|
|
| Balance |
|
1,487
|
1,967
|
| Net change on Balance |
[1] |
(50)
|
(480)
|
| 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 |
[2] |
|
|
| Refinements to models used for calculation |
|
|
|
| Amounts written off |
|
|
|
| Foreign exchange adjustments |
|
|
|
| Subtotal Consumer loans |
|
1,437
|
1,487
|
| Total |
|
$ 10,782
|
$ 10,379
|
|
|