Ewald Stark Bittencourt's questions to Banco de Chile (BCH) leadership • Q2 2025
Question
Ewald Stark Bittencourt noted the bank's very high capital ratio and asked for its targeted basic capital ratio for when loan growth eventually reactivates. He pressed for more specific guidance on where the ratio might settle in the coming years, given the bank's history of operating well above minimums.
Answer
Head of Financial Control Daniel Galarce reiterated the bank's strategy to use its excess capital to fund future business growth. He stated that once the economy reactivates, the bank aims to maintain a favorable gap of at least 1% (100 basis points) above all regulatory capital limits. He declined to provide a specific target ratio for the next few years, stating it would depend on the pace of economic and loan growth.