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Key Financial Figures

Ch$ MillionDec-17Sep-17Jun-17Dec-16
% Chg
  
Balance Sheet     QoQYTDYoY
Bank - Total Loans 4,834,290 4,732,916 4,620,365 4,462,332 2.1%8.3%8.3%
Bank - Total Deposits 3,601,230 3,434,300 3,457,155 3,621,838 4.9%-0.6%-0.6%
Factoring - Total Factored Receivables 304,393 265,974 263,222 286,846 14.4%6.1%6.1%
Asset Management - Total AUM 4,506,967 4,449,872 4,207,365 3,643,266 1.3%23.7%23.7%
Life Insurance - Investment Portfolio 2,402,514 2,381,277 2,363,879 2,278,932 0.9%5.4%5.4%
Operations        
Total Customers (number) 230,995 226,389 222,522 226,943 2.0%1.8%1.8%
Employees (number) 3,887 3,839 3,816 3,767 1.3%3.2%3.2%
Income Statement 4Q17 3Q17 4Q16 % Chg 20172016% Chg
    QoQYoY   
Bank - Net Interest Margin 39,991 38,691 34,598 3.4%15.6% 154,343 135,924 13.6%
Bank - Net Fees 15,567 14,545 13,597 7.0%14.5% 56,981 53,403 6.7%
Bank - Support Expenses (29,299) (29,949) (41,273)-2.2%-29.0% (123,591) (128,935)-4.1%
Bank - Net Provision Expenses (11,217) (11,659) (7,874)-3.8%42.5% (42,026) (27,777)51.3%
Life Insurance - Direct Premium 107,507 117,404 112,109 -8.4%-4.1% 446,838 348,517 28.2%
Life Insurance - Claims Paid (73,357) (36,988) (35,927)98.3%104.2% (181,323) (132,286)37.1%
Life Insurance - Pensions Paid (19,199) (69,572) (38,960)-72.4%-50.7% (183,666) (135,125)35.9%
Life Insurance - Investment Income 23,229 34,480 25,144 -32.6%-7.6% 126,738 111,218 14.0%
Factoring - Revenue 7,212 6,903 7,554 4.5%-4.5% 29,095 29,130 -0.1%
RatiosDec-17Sept-17Jun-17Dec-16
% Chg
  
    QoQYTDYoY
Grupo - Share Price (Ch$) 280 270 231 226 4% 24% 24%
Grupo - Number of Shares 3,683 3,683 3,258 3,258 0.0%13%13%
Grupo - ROE11.6% 10.6% 11.0% 13.1% 95 p -153 p -153 p
Bank (Consolidated) - ROE12.4% 11.7% 10.9% 11.6% 75 p 79 p 79 p
Factoring - ROE22.3% 21.7% 21.6% 23.2% 60 p -90 p -90 p
Life Insurance - ROE8.3% 12.4% 17.0% 13.3% -402 p -492 p -492 p
Travel - ROE32.6% 27.6% 28.0% 32.9% 500 p -30 p -30 p
Grupo - Leverage 29.3% 29.5% 33.3% 34.5% -19 p -514 p -514 p
Bank - Efficiency49.7% 51.1% 53.3% 59.3% -141 p -957 p -957 p
Factoring - Efficiency43.8% 44.0% 43.8% 44.3% -12 p -48 p -48 p
Bank - Non-Performing Loans/Total Loans1.38% 1.46% 1.32% 1.43% -8 p -5 p -5 p
Bank - Risk Index1.67% 1.78% 1.73% 1.81% -11 p -14 p -14 p
Factoring - Risk Index2.5%2.8%2.9%2.5%-29 p2 p2 p
Bank - Core Capital/ Total Assets8.1%7.5%7.4%7.1%62 p99 p99 p
Bank - BIS I Tier II Ratio (Regulatory Capital/ RWA)14.0%13.2%13.3%13.2%79 p80 p80 p
ROE: Profit 12M over average equity      
Accumulated Profit - Related Companies (Ch$ million)
         
 4Q173Q174Q16% Chg 20172016% Chg
    QoQYoY   
Lending Area        
Banco Security (Individual)15,12713,9628,5038.3%77.9%53,90242,43127.0%
Factoring Security1,9241,8301,8735.2%2.7%7,5027,3032.7%
Asset Management Area        
Valores Security81343050289.2%-2,4581,23399.3%
AGF Security2,3041,5701,75646.8%31.2%6,6666,939-3.9%
Insurance Area        
Vida Security461116,659-58.3%-99.3%13,25821,911-39.5%
Penta Security------18,979-
Servicios Security270177417--5861,123-
Other Services        
Inmobiliaria Security2,3421033,793--38.3%3,2983,800-13.2%
Travel Security1,0841,1071,123-2.1%-3.5%4,0504,220-4.0%
Travex Security11917857-32.9%-574273110.0%
Grupo Security Profit21,04717,70415,14918.9%38.9%74,70874,5220.2%
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.