| Administrative expenses |
| 36. | Administrative expenses: |
This item is composed as
follows:
| | |
2024 | | |
2023 | | |
2022 | |
| | |
MCh$ | | |
MCh$ | | |
MCh$ | |
| General administrative expenses | |
| | |
| | |
| |
| Information technology and communications | |
| 157,216 | | |
| 142,731 | | |
| 124,003 | |
| Maintenance and repair of property and equipment | |
| 51,606 | | |
| 49,699 | | |
| 42,313 | |
| Surveillance and securities transport services | |
| 11,651 | | |
| 11,265 | | |
| 12,996 | |
| External advisory services and professional services fees | |
| 11,252 | | |
| 10,326 | | |
| 13,785 | |
| Office supplies | |
| 8,497 | | |
| 8,724 | | |
| 9,360 | |
| External service of financial information and fraud prevention | |
| 8,129 | | |
| 7,483 | | |
| 6,543 | |
| Legal and notary expenses | |
| 5,799 | | |
| 5,433 | | |
| 3,733 | |
| Postal box, mail, postage and home delivery services | |
| 6,325 | | |
| 4,839 | | |
| 4,372 | |
| Energy, heating and other utilities | |
| 6,132 | | |
| 5,513 | | |
| 5,307 | |
| Other expenses of obligations for lease contracts | |
| 4,200 | | |
| 4,431 | | |
| 3,731 | |
| External service of custody of documentation | |
| 4,664 | | |
| 3,943 | | |
| 3,846 | |
| Insurance premiums except to cover operational risk events | |
| 4,142 | | |
| 4,167 | | |
| 3,380 | |
| Expenses for short-term leases | |
| 3,658 | | |
| 3,860 | | |
| 2,782 | |
| Donations | |
| 3,249 | | |
| 3,251 | | |
| 1,666 | |
| Representation and travel expenses | |
| 3,191 | | |
| 3,249 | | |
| 2,449 | |
| Card embossing service | |
| 2,084 | | |
| 1,756 | | |
| 1,274 | |
| Fees for other technical reports | |
| 1,063 | | |
| 1,034 | | |
| 799 | |
| Fees for review and audit of the financial statements
by the external auditor | |
| 873 | | |
| 750 | | |
| 839 | |
| Expenses for leases low value | |
| 549 | | |
| 509 | | |
| 491 | |
| Title classification fees | |
| 241 | | |
| 169 | | |
| — | |
| Fines applied by other agencies | |
| 132 | | |
| 108 | | |
| 211 | |
| Other general administrative expenses | |
| 9,393 | | |
| 9,354 | | |
| 7,811 | |
| | |
| | | |
| | | |
| | |
| Outsource services | |
| | | |
| | | |
| | |
| Technological developments expenses, certification and
technology testing | |
| 22,323 | | |
| 25,437 | | |
| 19,627 | |
| Data processing | |
| 11,133 | | |
| 11,907 | | |
| 8,385 | |
| External credit evaluation service | |
| 5,820 | | |
| 5,729 | | |
| 5,208 | |
| External collection service | |
| 4,841 | | |
| 4,414 | | |
| — | |
| External human resources administration services and supply
of external personnel | |
| 1,820 | | |
| 1,724 | | |
| 1,438 | |
| Call Center service for sales, marketing, quality control
customer service | |
| 1,695 | | |
| 2,192 | | |
| 1,586 | |
| Other outsource services | |
| 1,144 | | |
| 1,250 | | |
| 1,482 | |
| External cleaning service, casino, custody of files and
documents, storage of furniture and equipment | |
| 473 | | |
| 390 | | |
| 358 | |
| | |
| | | |
| | | |
| | |
| Board expenses | |
| | | |
| | | |
| | |
| Board of Directors Compensation | |
| 3,500 | | |
| 3,347 | | |
| 3,095 | |
| Other Board expenses | |
| 78 | | |
| 111 | | |
| 102 | |
| | |
| | | |
| | | |
| | |
| Marketing | |
| 33,948 | | |
| 39,617 | | |
| 35,280 | |
| | |
| | | |
| | | |
| | |
| Taxes, contributions and other legal
charges | |
| | | |
| | | |
| | |
| Contribution to the banking regulator | |
| 15,248 | | |
| 14,785 | | |
| 13,566 | |
| Real estate contributions | |
| 6,020 | | |
| 5,521 | | |
| 4,727 | |
| Taxes other than income tax | |
| 2,803 | | |
| 2,530 | | |
| 2,207 | |
| Municipal patents | |
| 1,752 | | |
| 1,647 | | |
| 1,568 | |
| Other legal charges | |
| 52 | | |
| 60 | | |
| 47 | |
| Total | |
| 416,696 | | |
| 403,255 | | |
| 350,367 | |
|