29. Interest Revenue and Expenses:
(a) As of each year end, interest revenue is detailed as follows:
|
|
|
2015 |
|
2016 |
|
2017 |
|
|
|
|
MCh$ |
|
MCh$ |
|
MCh$ |
|
|
Commercial loans |
|
852,202 |
|
856,172 |
|
786,794 |
|
|
Consumer loans |
|
573,306 |
|
613,962 |
|
614,393 |
|
|
Residential mortgage loans |
|
469,633 |
|
447,582 |
|
401,862 |
|
|
Financial investments |
|
62,860 |
|
30,725 |
|
35,403 |
|
|
Repurchase agreements |
|
9,389 |
|
9,053 |
|
7,337 |
|
|
Loans and advances to banks |
|
28,267 |
|
32,280 |
|
15,024 |
|
|
Gain (loss) from accounting hedges |
|
(90,620 |
) |
(76,378 |
) |
20,722 |
|
|
Other interest revenue |
|
3,420 |
|
3,596 |
|
5,165 |
|
|
|
|
|
|
|
|
|
|
|
Total |
|
1,908,457 |
|
1,916,992 |
|
1,886,700 |
|
|
|
|
|
|
|
|
|
|
During the year ended December 31, 2017, interest recorded in income from impaired loans amounted to Ch$6,426 million (Ch$5,629 million as of December 31, 2016).
(b) As of each year end, interest expenses are detailed as follows:
|
|
|
2015 |
|
2016 |
|
2017 |
|
|
|
|
MCh$ |
|
MCh$ |
|
MCh$ |
|
|
Savings accounts and time deposits |
|
341,955 |
|
376,541 |
|
297,277 |
|
|
Debt issued |
|
329,111 |
|
309,589 |
|
268,203 |
|
|
Other financial obligations |
|
2,249 |
|
1,916 |
|
1,640 |
|
|
Repurchase agreements |
|
7,216 |
|
6,223 |
|
5,193 |
|
|
Borrowings from financial institutions |
|
10,171 |
|
13,504 |
|
19,255 |
|
|
(Gain) loss from accounting hedges |
|
(20,256 |
) |
(24,190 |
) |
54,834 |
|
|
Demand deposits |
|
8,658 |
|
6,241 |
|
5,350 |
|
|
Other interest expenses |
|
1,065 |
|
435 |
|
253 |
|
|
|
|
|
|
|
|
|
|
|
Total |
|
680,169 |
|
690,259 |
|
652,005 |
|
|
|
|
|
|
|
|
|
|
(c) As of each year end, loss from accounting hedge is the following:
|
|
|
2015 |
|
2016 |
|
2017 |
|
|
|
|
MCh$ |
|
MCh$ |
|
MCh$ |
|
|
Cash Flow hedge |
|
(64,821 |
) |
(45,559 |
) |
(29,477 |
) |
|
Fair value hedge |
|
(5,543 |
) |
(6,629 |
) |
(4,635 |
) |
|
|
|
|
|
|
|
|
|
|
Total |
|
(70,364 |
) |
(52,188 |
) |
(34,112 |
) |
|
|
|
|
|
|
|
|
|