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Key Financial Figures

Highlights (Ch$ million)
4Q163Q164Q15% Chg20162015% Chg
QoQYoY
Balance Sheet
Bank - Total Loans 4,462,332 4,298,132 4,056,0963.8%10.0% 4,462,332 4,056,09610.0%
Bank - Total Deposits 3,621,838 3,318,659 3,301,5249.1%9.7% 3,621,838 3,301,5249.7%
Factoring - Total Factored Receivables 286,846 251,308 279,64414.1%2.6% 286,846 279,6442.6%
Asset Management - Total AUM 3,644,513 3,723,572 2,859,612-2.1%27.4% 3,644,513 2,859,61227.4%
Life Insurance - Investment Portfolio 2,278,932 2,223,716 2,166,4822.5%5.2% 2,278,932 2,166,4825.2%
Income Statement
Bank - Net Interest Margin 34,598 35,078 33,209-1.4%4.2% 135,924 133,4031.9%
Bank - Net Fees 13,597 14,717 12,901-7.6%5.4% 53,403 48,33410.5%
Bank - Support Expenses (41,273) (30,301) (26,055)36.2%58.4% (128,935) (97,842)31.8%
Bank - Net Provision Expenses (7,874) (8,686) (13,844)-9.3%-43.1% (27,777) (44,118)-37.0%
Life Insurance - Direct Premium 112,109 105,512 60,7546.3%84.5% 348,517 242,14443.9%
Life Insurance - Claims Paid (35,927) (51,233) (20,777)-29.9%72.9% (132,286) (76,306)73.4%
Life Insurance - Pensions Paid (38,960) (34,342) (26,117)13.4%49.2% (135,125) (127,359)6.1%
Life Insurance - Investment Income 25,144 39,116 30,967-35.7%-18.8% 111,218 100,26510.9%
Factoring - Revenue 6,347 6,347 5,8580.0%8.3% 25,412 23,1879.6%
Operations
Total Customers (number) 226,943 226,202 219,7010.3%3.3% 226,943 219,7013.3%
Employees (number) 3,767 3,872 3,901-2.7%-3.4% 3,767 3,901-3.4%
Ratios
Dec-16Dec-15% Chg
Grupo - Share Price (Ch$)22619118.5%
Grupo - Number of Shares3,2583,2580.0%
Grupo - ROE13.1%12.1%100 p
Bank (Consolidated) - ROE11.6%12.0%-41 p
Factoring - ROE23.2%23.7%-50 p
Life Insurance - ROE13.3%16.8%-358 p
Travel - ROE43.5%51.6%-810 p
Grupo - Leverage34.5%34.9%-41 p
Bank - Efficiency59.4%48.1%1130 p
Factoring - Efficiency44.3%44.7%-42 p
Bank - Non-Performing Loans/Total Loans1.4%1.5%-11 p
Bank - Risk Index1.8%1.8%-2 p
Factoring - Risk Index2.5%2.4%4 p
Bank - Core Capital/ Total Assets7.4%6.8%58 p
Bank - BIS I Tier II Ratio (Regulatory Capital/ RWA)13.2%12.1%112 p
ROE: Profit 12M over average equity
Accumulated Profit - Related Companies (Ch$ million)
4Q163Q164Q15% Chg20162015% Chg
QoQYoY
Lending Area
Banco Security (Individual) 8,505 8,468 2,0520.4%314.4%42,43036,96814.8%
Factoring Security 1,873 1,850 1,7461.3%7.3% 7,303 7,0024.3%
Asset Management Area
Valores Security 502 584 (243)-142.1% 1,233 1,871-34.1%
AGF Security 1,756 1,910 2,010-8.0%-12.6% 6,939 8,584-19.2%
Asesorias Security (176) (250) (3)-- (603) 88-
Insurance Area
Vida Security 6,659 7,40610,767-10.1%-38.2%21,91127,659-20.8%
Penta Security - - 45--18,979 632-
Servicios Security 417 251 19166.6%118.0% 1,123 68065.1%
Other Services
Inmobiliaria Security 3,793 (512) 4,242--10.6% 3,800 6,868-44.7%
Travel Security 1,123 1,046 8087.3%38.9% 4,220 4,0025.4%
Travex Security 57 93 231-38.0%-75.1% 273 825-66.9%
Grupo Security Profit15,14913,95713,7698.5%10.0%74,52265,02214.6%
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.