Key Financial Figures

Key Financial Figures

Ch$ Million Dec-19 Sep-19 Dec-18
% Chg
Balance Sheet       QoQ YoY
Bank - Total Loans 6,051,817 5,822,872 5,346,071 3.93% 13.20%
Bank - Total Deposits 4,014,403 3,626,685 3,620,218 10.69% 10.89%
Factoring - Total Factored Receivables 411,703 375,075 360,251 9.77% 14.28%
Asset Management - Total AUM 4,339,221 4,708,946 4,383,489 -7.85% -1.01%
Life Insurance - Investment Portfolio 2,030,267 2,038,052 1,956,773 -0.38% 3.76%
Operations          
Employees (number) 3,961 3,969 3,939 -0.20% .56%
Income Statement 4Q19 3Q19 4Q18
% Chg
Dec-19 Dec-18 % Chg
          QoQ   YoY      
Bank - Net Interest Margin 47,523 49,388 42,486 -3.78% 11.86% 182,435 168,225 8.45%
Bank - Net Fees 15,085 17,394 17,256 -13.27% -12.58% 67,277 68,754 -2.15%
Bank - Support Expenses -33,804 -33,247 -32,372 1.68% 4.42% -132,955 -128,323 3.61%
Bank - Net Provision Expenses -12,350 -14,742 -13,981 -16.23% -11.67% -41,891 -41,550 0.82%
Life Insurance - Direct Premium 64,463 61,031 67,828 5.62% -4.96% 257,999 336,094 -23.24%
Life Insurance - Claims Paid -51,828 -33,825 -11,979 53.23% 332.65% -136,306 -97,007 40.51%
Life Insurance - Pensions Paid -21,813 -32,062 -51,495 -31.96% -57.64% -138,614 -202,659 -31.60%
Life Insurance - Investment Income 32,649 36,507 23,851 -10.57% 36.89% 145,276 98,570 47.38%
Factoring - Revenue 8,961 8,691 7,881 3.10% 13.70% 34,665 29,829 16.22%
Ratios Dec-19 Sep-19 Dec-18
% Chg
        QoQ YoY
Grupo - Share Price (Ch$) 196 251 299 -22.06% -34.54%
Grupo - Number of Shares 3,695 3,695 3,695 0.00% 0.00%
Grupo - ROAE 10.83% 11.05% 10.52% -22 p 31 p
Bank (Consolidated) - ROAE 12.88% 13.20% 14.21% -31 p -132 p
Factoring - ROAE 18.57% 18.72% 19.83% -15 p -126 p
Life Insurance - ROAE 10.83% 7.96% 6.02% 287 p 480 p
Travel - ROE 37.90% 25.60% 24.00% 1230 p 1390 p
Grupo - Leverage 35.10% 36.03% 34.56% -93 p 54 p
Bank - Efficiency 47.45% 47.77% 46.51% -32 p 95 p
Factoring - Efficiency 42.22% 41.60% 42.47% 62 p -26 p
Bank - Non-Performing Loans/Total Loans 1.55% 1.52% 1.37% 3 p 18 p
Bank - Risk Index 1.66% 1.62% 1.65% 4 p 1 p
Factoring - Risk Index 1.86% 2.10% 2.61% -23 p -75 p
Bank - Core Capital/ Total Assets 7.13% 7.64% 7.72% -51 p -60 p
Bank - BIS I Tier II Ratio (Regulatory Capital/ RWA) 12.31% 12.80% 13.41% -49 p -110 p
ROAE: Annualized profit over average equity              
Accumulated Profit - Related Companies (Ch$ million)1
                 
  4Q19 3Q19 4Q18
% Chg
Dec-19 Dec-18 % Chg
          QoQ   YoY      
Lending Area                
Banco Security (Individual) 20,737 20,398 13,204 1.66% 57.05% 77,581 63,970 21.28%
Factoring Security 2,353 2,371 2,136 -0.77% 10.14% 9,171 8,155 12.46%
Asset Management Area                
Valores Security -3,089 -3,531 250     -5,834 2,123  
AGF Security 722 1,564 1,961 -53.80% -63.17% 5,210 6,563 -20.61%
Securitizadora Security 1,865 -114 2,081   -10.37% 1,232 2,004 -38.53%
Insurance Area                
Vida Security 1,646 7,073 18,739 -76.73% -91.22% 20,146 30,159 -33.20%
Servicios Security 86 352 188 -75.64% -54.48% 189 639 28.13%
Other Services                
Inmobiliaria Security -681 -669 1,005     -2,214 -232 -
Travel Security 1,527 798 990 91.27 54.23% 4,020 3,752 7.14%
Negocios Internationales                
Protecta Security (S./ Thousand) 11,453 2,228 4,425 414.10% 158.83% 22,572 2,810 703.14%
Travex Security (S./ Thousand) -322 87 822     72 3,034 -97.62%
Grupo Security Profit 20,130 18,207 22,725 10.56% -11.42% 81,156 80,548 0.75%
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.