CONTACT US  (56 2) 2584 4540

Key Financial Figures

Ch$ MillionJun-17Mar-17dec-16Jun-16
% Chg
  
Balance Sheet     QoQYTDYoY
Bank - Total Loans 4,620,365 4,533,229 4,462,332 4,208,683 1.9%3.5%9.8%
Bank - Total Deposits 3,457,155 3,439,182 3,621,838 3,289,213 0.5%-4.5%5.1%
Factoring - Total Factored Receivables 263,222 293,702 286,846 242,698 -10.4%-8.2%8.5%
Asset Management - Total AUM 4,207,365 3,856,161 3,643,266 3,774,952 9.1%15.5%11.5%
Life Insurance - Investment Portfolio 2,363,879 2,314,976 2,278,932 2,178,297 2.1%3.7%8.5%
Operations        
Total Customers (number) 222,522 218,472 226,943 222,295 1.9%-1.9%0.1%
Employees (number) 3,816 3,723 3,767 3,929 2.5%1.3%-2.9%
Income Statement 2Q17 1Q17 2Q16 % Chg 6M176M16% Chg
    QoQYoY   
Bank - Net Interest Margin 39,666 35,995 34,390 10.2%15.3% 75,661 66,248 14.2%
Bank - Net Fees 14,234 12,635 13,538 12.7%5.1% 26,869 25,089 7.1%
Bank - Support Expenses (31,498) (32,845) (27,718)-4.1%13.6% (64,343) (57,361)12.2%
Bank - Net Provision Expenses (8,786) (10,364) (5,252)-15.2%67.3% (19,150) (11,217)70.7%
Life Insurance - Direct Premium 122,038 99,890 66,261 22.2%84.2% 221,928 130,896 69.5%
Life Insurance - Claims Paid (33,679) (37,298) (25,236)-9.7%33.5% (70,978) (45,126)57.3%
Life Insurance - Pensions Paid (52,499) (42,396) (31,774)23.8%65.2% (94,896) (61,823)53.5%
Life Insurance - Investment Income 28,012 41,019 24,290 -31.7%15.3% 69,030 46,958 47.0%
Factoring - Revenue 7,352 7,628 7,296 -3.6%0.8% 14,979 14,294 4.8%
RatiosJun-17Mar-17dec-16Jun-16
% Chg
  
    QoQYTDYoY
Grupo - Share Price (Ch$) 231 244 226 215 -5.2%2.2%7.4%
Grupo - Number of Shares 3,258 3,258 3,258 3,258 0.0%0.0%0.0%
Grupo - ROE11.0%10.4%13.1%11.8%65 p-207 p-73 p
Bank (Consolidated) - ROE10.9%10.5%11.6%10.4%35 p-76 p46 p
Factoring - ROE21.6%19.2%23.2%21.0%240 p-160 p60 p
Life Insurance - ROE17.0%15.1%13.3%11.6%188 p372 p538 p
Travel - ROE34.0%20.5%43.5%35.0%1350 p-950 p-100 p
Grupo - Leverage 33.3%35.0%34.5%33.8%-165 p-114 p-48 p
Bank - Efficiency53.29%55.7%59.4%54.23%-243 p-609 p-94 p
Factoring - Efficiency43.8%44.7%44.3%44.9%-96 p-53 p-113 p
Bank - Non-Performing Loans/Total Loans1.32%1.49%1.43%1.47%-18 p-11 p-15 p
Bank - Risk Index1.73%1.86%1.81%1.84%-12 p-7 p-11 p
Factoring - Risk Index2.9%2.6%2.5%2.9%27 p42 p-4 p
Bank - Core Capital/ Total Assets7.4%7.3%7.1%7.4%6 p27 p-3 p
Bank - BIS I Tier II Ratio (Regulatory Capital/ RWA)13.3%13.2%13.2%12.8%11 p10 p55 p
ROE: Profit 12M over average equity      
Accumulated Profit - Related Companies (Ch$ million)
        
 2Q171Q172Q16% Chg 6M176M16% Chg
    QoQYoY   
Lending Area        
Banco Security (Individual) 14,263 10,549 12,004 35.2%18.8% 24,812 25,459 -2.5%
Factoring Security 1,893 1,855 1,880 2.0%0.7% 3,748 3,580 4.7%
Asset Management Area        
Valores Security 784 431 (56) 81.7%- 1,215 148 723.3%
AGF Security 1,523 1,269 1,492 20.1%2.1% 2,792 3,273 -14.7%
Insurance Area        
Vida Security 5,522 7,579 3,526 -27.1%56.6% 13,101 7,847 67.0%
Penta Security - - - -- - 18,979 -
Servicios Security 244 (105) 370 -- 139 455 -
Other Services        
Inmobiliaria Security 165 688 125 -32.4% 853 518 64.6%
Travel Security 1,144 715 1,063 59.9%7.6% 1,859 2,051 -9.3%
Travex Security 154 123 55 25.7%179.3% 276 123 124.5%
Grupo Security Profit18,64817,31014,5277.7%28.4%35,95845,416-20.8%
1 Subsidiary earnings correspond to 100% of their profits and differ from the results reported in the segment note, which includes consolidation adjustments to incorporate Grupo Security's percent ownership in each of its respective subsidiaries.

2 In the case of Penta Security, the minority interest of 29.55% is considered. The figure presented in this table corresponds to the profit before taxes perceived from the sale of the minority interest held in the company. After taxes, the extraordinary profit reached Ch$ 14,937 million.

3 Consolidates Corredora Security and Europ Assistance.

4 Grupo Security controls 85% of Travel Security.

5 Travel Security controls 75% of Travex Security through Viajes Security.