v3.25.1
Intangible Assets (Tables)
 12 Months Ended
Dec. 31, 2024
Intangible Assets [Abstract]  
Schedule of Intangible Assets As of December 31, 2024 and 2023 intangible assets are detailed as follows:
   Useful Life   Average
remaining
amortization
period		   Gross balance   Accumulated
Amortization		   Net balance 
   2024   2023   2024   2023   2024   2023   2024   2023   2024   2023 
   Years   Years   Years   Years   MCh$   MCh$   MCh$   MCh$   MCh$   MCh$ 
Other Intangible Assets:                                        
Goodwill   —    —    —    —    16,714    16,714    —    —    16,714    16,714 
Intangible assets arising from business combinations   —    —    —    —    56,249    56,249    (39,553)   (39,553)   16,696    16,696 
Software or computer programs   6    6    4    5    379,572    322,174    (221,016)   (184,970)   158,556    137,204 
Total                       452,535    395,137    (260,569)   (224,523)   191,966    170,614 
Schedule of Changes in Intangible Assets Changes in intangible assets during the year 2024 and 2023 are as follows:
   Goodwill (1)   Intangible assets
arising from business
combinations (2)		   Software or
computer
programs		   Total 
   MCh$   MCh$   MCh$   MCh$ 
Gross Balance                
Balance as of January 1, 2024   16,714    56,249    322,174    395,137 
Acquisitions   
—
    
—
    57,617    57,617 
Disposals/write-downs   
—
    
—
    (219)   (219)
Reclassification   
—
    
—
    
—
    
—
 
Impairment (*)   
—
    
—
    
—
    
—
 
Total   16,714    56,249    379,572    452,535 
                     
Accumulated Amortization                    
Balance as of January 1, 2024   
—
    (39,553)   (184,970)   (224,523)
Amortization for the year  (**)   
—
    
—
    (36,265)   (36,265)
Disposals/write-downs   
—
    
—
    219    219 
Reclassification   
—
    
—
    
—
    
—
 
Impairment (*)   
—
    
—
    
—
    
—
 
Total   
—
    (39,553)   (221,016)   (260,569)
                     
Balance as of  December 31, 2024   16,714    16,696    158,556    191,966 

 

   Goodwill (1)   Intangible assets
arising from business
combinations (2)		   Software or
computer
programs		   Total 
   MCh$   MCh$   MCh$   MCh$ 
Gross Balance                
Balance as of January 1, 2023   16,714    56,249    263,294    336,257 
Acquisitions   
—
    
—
    59,955    59,955 
Disposals/write-downs   
—
    
—
    (1,050)   (1,050)
Reclassification   
—
    
—
    
—
    
—
 
Impairment (*)   
—
    
—
    (25)   (25)
Total   16,714    56,249    322,174    395,137 
                     
Accumulated Amortization                    
Balance as of January 1, 2023   
—
    (39,553)   (156,674)   (196,227)
Amortization for the year  (**)   
—
    
—
    (29,346)   (29,346)
Disposals/write-downs   
—
    
—
    1,050    1,050 
Reclassification   
—
    
—
    
—
    
—
 
Impairment (*)   
—
    
—
    
—
    
—
 
Total   
—
    (39,553)   (184,970)   (224,523)
                     
Balance as of  December 31, 2023   16,714    16,696    137,204    170,614 

 

(1)Goodwill corresponds mainly to business combination with Citibank Chile whose amount is of MCh$12,576 that represents the value of synergies to be generated in the combination process and the acquisition of know-how.
(2)Intangible assets arising from business combinations include assets with indefinite useful lives acquired in the business combination with Citibank Chile.
(*)See Note No. 38 Impairment of non-financial assets.
(**)See Note No. 37 Depreciation and Amortization.
Schedule of Goodwill Allocated to Individual Business Segments

Accordingly, for impairment testing purposes, goodwill acquired through business combinations has been allocated to four individual business segments, as follows:

 

Business Segments  2024   2023 
   MCh$   MCh$ 
Retail   5,928    5,928 
Wholesale   2,135    2,135 
Treasury and money market operations   4,513    4,513 
Subsidiaries   4,138    4,138 
Total   16,714    16,714