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Key Financial Figures

Ch$ MillionJun-18Mar-18Dec-17Jun-17
% Chg
  
Balance Sheet     QoQYTDYoY
Bank - Total Loans 5,070,827 4,923,754 4,834,290 4,620,365 3.0%4.9%9.7%
Bank - Total Deposits 3,582,290 3,564,155 3,601,230 3,457,155 0.5%-0.5%3.6%
Factoring - Total Factored Receivables 301,116 295,883 304,393 263,222 1.8%-1.1%14.4%
Asset Management - Total AUM 4,763,479 4,839,157 4,506,967 4,207,365 -1.6%5.7%13.2%
Life Insurance - Investment Portfolio 2,449,257 2,420,029 2,402,513 2,363,8791.2%1.9%3.6%
Operations        
Employees (number) 3,892 3,784 3,887 3,816 2.9%0.1%2.0%
Income Statement 2Q18 1Q18 4Q17 % Chg 6M186M17% Chg
    QoQYoY   
Bank - Net Interest Margin 43,525 40,461 39,991 7.6%9.7% 83,986 75,661 11.0%
Bank - Net Fees 17,948 17,362 15,567 3.4%11.2% 35,310 30,603 15.4%
Bank - Support Expenses (30,639) (32,155) (29,299)-4.7%-2.7% (62,794) (64,343)-2.4%
Bank - Net Provision Expenses (12,939) (6,449) (11,217)100.6%47.3% (19,388) (19,150)1.2%
Life Insurance - Direct Premium 105,911 96,792 107,507 9.4%-13.2% 202,702 221,928 -8.7%
Life Insurance - Claims Paid (41,528) (35,902) (73,357)15.7%23.3% (77,430) (70,978)9.1%
Life Insurance - Pensions Paid (48,836) (43,533) (19,199)12.2%-7.0% (92,370) (94,896)-2.7%
Life Insurance - Investment Income 19,146 23,505 23,229 -18.5%-31.7% 42,651 69,030 -38.2%
Factoring - Revenue 7,397 7,316 7,212 1.1%0.6% 14,713 14,979 -1.8%
RatiosJun-18Mar-18Dec-17Jun-17
% Chg
  
    QoQYTDYoY
Grupo - Share Price (Ch$) 299 305 280 231 -2% 7% 29%
Grupo - Number of Shares 3,695 3,695 3,683 3,258 0.0%0.0%13%
Grupo - ROE11.6% 12.4% 11.6% 11.0% -77 p 3 p 58 p
Bank (Consolidated) - ROE14.2% 14.2% 12.4% 10.9% 1 p 176 p 331 p
Factoring - ROE22,1% 20.9% 22.3% 21.6% 120 p -20 p 50 p
Life Insurance - ROE3.1% 7.6% 8.3% 17.0% -452 p -526 p -1390 p
Travel - ROE24.0% 19.1% 32.6% 28.0% 490 p -860 p -400 p
Grupo - Leverage 34.6% 35.8% 29.3% 33.3% -121 p 525 p 125 p
Bank - Efficiency46.5% 48.1% 49.7% 53.3% -160 p -321 p -679 p
Factoring - Efficiency42.8% 44.2% 43.8% 43.8% -140 p -105 p -100 p
Bank - Non-Performing Loans/Total Loans1.37% 1.75% 1.38% 1.32% -38 p -1 p 5 p
Bank - Risk Index1.65% 1.57% 1.67% 1.73% 8 p -2 p -9 p
Factoring - Risk Index2.6%2.9%2.5%2.9%-29 p12 p-28 p
Bank - Core Capital/ Total Assets7.7%7.9%8.1%7.4%-15 p-38 p35 p
Bank - BIS I Tier II Ratio (Regulatory Capital/ RWA)13.4%13.7%14.0%13.3%-32 p-61 p9 p
ROE: Profit 12M over average equity      
Accumulated Profit - Related Companies (Ch$ million)
         
 2Q181Q182Q17% Chg 6M186M17% Chg
    QoQYoY   
Lending Area        
Banco Security (Individual) 16,101 18,965 14,263 -15.1%12.9% 35,066 24,812 41.3%
Factoring Security 2,034 2,025 1,893 0.5%7.5% 4,059 3,748 8.3%
Asset Management Area        
Valores Security 809 489 784 65.2%3.2% 1,298 1,215 6.8%
AGF Security 1,556 1,437 1,523 8.3%2.2% 2,993 2,792 7.2%
Insurance Area        
Vida Security (1,576) 6,406 5,522 -124.6%- 4,831 13,101 -63.1%
Penta Security--------
Servicios Security 262 42244527.4%7.5%304139119.0%
Other Services        
Inmobiliaria Security (424) (268) 165 58.3%- (693) 853-181.2%
Travel Security 894 625 1,144 42.0%-21.8% 1,519 1,859 -18.3%
Travex Security 145 113 154 28.9%-5.8%258276-6.8%
Grupo Security Profit13,52823,56818,648-42.6%-27.5%37,09535,9583.2%
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.