En la localidad de Trovolhue, ubicada en la comuna de Carahue, Región de la Araucanía, se habilitó el primer punto de atención de CajaVecina en una ruka, perteneciente a la comunidad Francisco Lázaro Marivil, cooperativa preocupada de la conservación de humedales en sus tierras y de potenciar el turismo a través de la cultura mapuche.

A Septiembre de 2018, más de 107 mil micro y pequeñas empresarias contaban con financiamiento en BancoEstado.

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Indicadores que buscan dar cuenta de la gestión de BancoEstado por cada uno de los pilares de desarrollo identificados. Su característica es que buscan ser SMART: Específico, Medible, Alcanzable, Realista, en un Tiempo acotado.

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El programa “Usa bien tu plata” está compuesto por talleres y charlas que se  realizan en establecimiento educacionales municipales y particulares subvencionados del país. Desde el año 2015 han participado  750 establecimientos y más de 33 mil alumnos.

Castro, comuna ubicada en la Isla Grande de Chiloé cuenta con más de 47 mil habitantes. En la zona, la cobertura de CajaVecina pasó de 0,23 a 1,54 puntos de atención por cada mil habitantes, desde 2011 hasta la fecha.

1 FINANCIAL INCLUSION AS A MEANS TO WELL-BEING

​Financial inclusion means that everyone has access to high-quality financial services and products. Figures presented recently ...

Financial inclusion brings with it access to many socioeconomic benefits because it helps to reduce the vulnerability of low-income households, providing them with instruments through which to reduce the variability of their consumption, manage risks better and improve their quality of life through transactional products.


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2 GEOGRAPHICAL COVERAGE AS A TOOL FOR FINANCIAL INCLUSION

BancoEstado is present in all of Chile’s municipal districts through branch offices or CajaVecina points of service. The coverag...

Our bank is present in all of Chile’s municipal districts through either branch offices or CajaVecina points of service. This broad geographical coverage allows us to offer all the Bank’s services to a large percentage of the population, even in the most remote parts of the country.


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3 SUPPORT FOR SMALLER COMPANIES

BancoEstado has an important market share among smaller-sized companies. These are the backbone of job creation in Chile and cruci...

As a bank, we have an important market share among smaller-sized companies, which are the backbone of job creation in Chile and crucial for the country’s development and improving its inhabitants’ quality of life. At present, more than 600,000 companies around Chile are clients of BancoEstado.


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4 SAVING AS A DRIVER OF DEVELOPMENT AND SOCIAL MOBILITY

Saving plays an important role in improving people’s quality of life, allowing them to acquire durable goods and better withstan...

Promoting the habit of saving among our clients is one way of supporting their development. Although the Bank is the main promoter of saving in Chile, both in terms of savings accounts and other products for saving of a specific type, we have pending challenges in this field.


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5 IMPACT OF ELECTRONIC AND MOBILE MEANS OF PAYMENT

In recent years, electronic means of payment have shown very important growth and, for BancoEstado, its multichannel strategy and ...

In recent years, electronic means of payment have shown very important growth and, for BancoEstado, its multichannel strategy and the use of online channels have become a priority. These channels permit safe transactions and mean an important cost reduction for clients.


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6 FINANCIAL EDUCATION, RESPONSIBLE BORROWING AND CONSUMER RIGHTS

BancoEstado views financial education as a tool to serve the country’s citizens who, with clear and transparent information, are...

We view financial education as a tool to serve the country’s citizens who, with clear and transparent information, are able to take better decisions and improve their quality of life and that of their families. We seek to help our clients in the correct management of their finances and the financial products to which they have access.


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FINANCIAL INCLUSION AS A MEANS TO WELL-BEING

​Financial inclusion means that everyone has access to high-quality financial services and products. Figures presented recently by the Superintendency of Banks and Financial Institutions (SBIF) demonstrate BancoEstado’s importance in this field: 87% of the country’s adults are clients of the Bank.

Financial Inclusion

Financial inclusion brings with it access to many socioeconomic benefits because it helps to reduce the vulnerability of low-income households, providing them with instruments through which, for example, to reduce the variability of their consumption and manage risks better.

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  • 13.1 million clients
  • 6.6 million female clients
  • 10.3 million CuentaRUT accounts
  • 88% of immigrants in Chile are clients
GEOGRAPHICAL COVERAGE AS A TOOL FOR FINANCIAL INCLUSION

BancoEstado is present in all of Chile’s municipal districts through branch offices or CajaVecina points of service. The coverage of these two channels has shown sustained year-by-year growth.

Geographical Coverage

The Bank’s broad geographical coverage allows it to reach 87% of the population through branch offices and offer all its services even in the most remote parts of the country.

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  • 100% of municipal districts with CajaVecina
  • 127 municipal districts with only a BancoEstado branch
  • 26 new branches opened in 2014-2017
  • 1.2 CajaVecina points per 1,000 inhabitants
SUPPORT FOR SMALLER COMPANIES

BancoEstado has an important market share among smaller-sized companies. These are the backbone of job creation in Chile and crucial for the country’s development and improving its inhabitants’ quality of life.

Smaller companies

At present, more than 600,000 companies around Chile are clients of BancoEstado. Out of this total, over 267,000 obtain financing from the Bank for their businesses.

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  • 4.4% growth of lending in 2017
  • 720,000 clients among micro and small businesses
  • 23,000 companies connected online
  • 336,000 women entrepreneurs in the CreceMujer program
SAVING AS A DRIVER OF DEVELOPMENT AND SOCIAL MOBILITY

Saving plays an important role in improving people’s quality of life, allowing them to acquire durable goods and better withstand adverse situations for themselves and their families.

Saving and development

Promoting the habit of saving among clients is one way in which BancoEstado can support their development. Although it is the main promoter of saving in Chile, both in terms of savings accounts and other products for saving of a specific type, the Bank has pending challenges in this field.

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  • 93% of the system’s savings accounts
  • 1,278UF average mortgage
  • 65.7% of male clients save
  • 77.6% of female clients save
IMPACT OF ELECTRONIC AND MOBILE MEANS OF PAYMENT

In recent years, electronic means of payment have shown very important growth and, for BancoEstado, its multichannel strategy and the use of online channels are a priority.

Digital Channels

Digital channels permit safe transactions and mean an important cost reduction for clients who can also receive government benefits through them. In line with this, BancoEstado is making important efforts to boost its digital channels.

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  • 75% of clients’ transactions are electronic
  • 23% correspond to payments by card
  • 3.5 million Internet clients
  • 200 million transactions per month
FINANCIAL EDUCATION, RESPONSIBLE BORROWING AND CONSUMER RIGHTS

BancoEstado views financial education as a tool to serve the country’s citizens who, with clear and transparent information, are able to take better decisions. Better informed people can improve their quality of life and that of their families.

Financial Education

Household debt in Chile is high, with all the risks this implies, and the Bank is committed to helping clients manage their finances correctly.

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  • 21,000 students in the Use your Money Well program
  • 280 schools with financial education classes
  • No significant gender difference in interest rates
  • Average interest rates below those of the market

Our
Bank in figures

750schools with financial education classes
750<span>Colegios cuentan con  cursos de educación financiera</span>
33,000 students are part of the 'Use your money well' program
33 Mil<span>estudiantes forman parte del programa 'Usa bien tu plata'</span>
261 milliontransactions each month
261 Mill.<span>de transacciones mensuales</span>
4.2 millionInternet clients
4,2 Mill.<span>de clientes Internet</span>
97%of clients’ transactions are automated
97%<span>de las transacciones de clientes son automatizadas</span>
76%of female clients save
76%<span>de las mujeres clientes tiene ahorro</span>
63%of male clients save
63%<span>de los hombres clientes tiene ahorro</span>
1,500 UFaverage mortgage
1.500 UF<span>promedio en créditos hipotecarios</span>
93%of the banking system’s savings accounts
93%<span>de las cuentas de ahorro del sistema</span>
23,000companies connected online
23 Mil<span>empresas conectadas en red</span>
782,000clients among micro and small businesses
 782 Mil<span>clientes de micro y pequeñas empresas</span>
1.3CajaVecina points per 1,000 inhabitants
1,3<span>CajaVecina por cada 1.000 habitantes</span>
56branches opened in 2014 to October 2018
56<span>Sucursales durante 2014 a octubre 2018 </span>
134municipal districts with only a branch of BancoEstado
134 <span> comunas sólo con sucursal BancoEstado </span>
100%of municipal districts with CajaVecina
100%<span> de las comunas con CajaVecina</span>
609,000women entrepreneurs in the Crece Mujer program
609 Mil<span>emprendedoras en el programa CreceMujer</span>
4.4%growth of lending to October 2018
4,4%<span>crecimiento de colocaciones a Octubre 2018</span>
59%of immigrants in Chile are clients
59%<span>de los Inmigrantes de Chile son clientes</span>
11.1 millionclients with CuentaRUT account
11,1 Mill.<span>de clientes CuentaRUT</span>
7.1 millionfemale clients
7,1 Mill.<span>de clientes mujeres</span>
14 millionclients
14 Mill.<span>de clientes</span>
Branches
Women
Immigrants
Financial inclusion
Smaller companies
CajaVecina
Public bank
Digital transformation
Public Account  2017
January 30 2018

Public Account 2017

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Bank Law: Lower House Finance Commission
12 July 2017

Bank Law: Lower House Finance Commission

  • Jorge Rodriguez Grossi
  • Chairman
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ALIDE 2017
31 May 2017

ALIDE 2017

  • Jessica López Saffie
  • Executive General Manager
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From Massifying Access to Unlocking the Potential of Women’s Enterprises in Chile
Financial Inclusion in a Middle-Income Country: The Case of Chile
The Role of a Public Bank
23 May 2017

The Role of a Public Bank

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Innovation and digitization at the service of financial inclusion
4 January 2018

Innovation and digitization at the service of financial inclusion

The change of era means that innovation and digitization have acquired enormous importance in customer service.

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What’s new in incentives for personal saving?
7 December 2017

What’s new in incentives for personal saving?

New incentives for personal saving that go beyond the typical end-of-year calls to take advantage of the tax benefit for APV savings.

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Lack of foresight
4 January 2018

Lack of foresight

“To the abyss and blindfolded walk as a victim of their lack of foresight those who do not economize.”

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Capitalization of BancoEstado
4 January 2018

Capitalization of BancoEstado

With the approval of the reform of Chile’s banking law, BancoEstado will face new capital requirements.

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BancoEstado, a model of public-private cooperation
4 January 2018

BancoEstado, a model of public-private cooperation

BancoEstado is a strange animal. It differs from the typical state bank of an emerging economy.

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Nature of the CuentaRut account
20 November 2017

Nature of the CuentaRut account

The CuentaRut account is probably one of the principal financial innovations of recent decades.

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New bank office on the coast
22 August 2017

New bank office on the coast

BancoEstado has recently inaugurated an office in the El Tabo municipal district.

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Capital requirements for systemic banks
20 November 2017

Capital requirements for systemic banks

Banks of systemic importance.

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Bank account for minors
14 September 2017

Bank account for minors

Savings accounts for young people.

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Technical reserve
20 November 2017

Technical reserve

Does it make sense to maintain the technical reserve?

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Digitization
7 April 2017

Digitization

  • How can we harness these tools to financial inclusion?
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Basel III and SMEs
16 March 2017

Basel III and SMEs

  • How will the new banking regulation affect financing for SMEs in our country?
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Financial inclusion
1 February 2017

Financial inclusion

  • Why does financial inclusion matter to us?
  • What are its benefits for society?
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A world without cash
29 May 2017

A world without cash

  • What has the trend been in digital transactions?
  • Will there be a time when cash disappears?
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Financial education
24 March 2017

Financial education

  • What can we expect as regards financial education?
  • What are we doing?
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