Earnings summaries and quarterly performance for BANK OF CHILE.
Research analysts who have asked questions during BANK OF CHILE earnings calls.
Andrés Soto
Santander Investment Securities Inc.
5 questions for BCH
Also covers: BAP, CIB, IFS
Neha Agarwala
HSBC
5 questions for BCH
Also covers: BSAC, DLO, INTR +5 more
YF
Yuri Fernandes
JPMorgan Chase & Co.
4 questions for BCH
Also covers: AVAL, BAP, BBD +13 more
Ernesto Gabilondo
Bank of America Merrill Lynch
3 questions for BCH
Also covers: BAP, BMA, BSAC +4 more
LS
Lindsey Shema
The Goldman Sachs Group, Inc.
3 questions for BCH
Also covers: BAP, BSAC, CIB +1 more
DL
Daer Labarta
Goldman Sachs
2 questions for BCH
Also covers: BBD, BDORY, DLO +4 more
DM
Daniel Mora
Credicorp Capital
2 questions for BCH
Also covers: AVAL, BLX, BSAC +1 more
EM
Ernesto María Gabilondo Márquez
Bank of America
2 questions for BCH
Also covers: BAP, BSAC, IFS
BB
Beatriz Bomfim de Abreu
Goldman Sachs Group, Inc.
1 question for BCH
Also covers: BSAC, DLO, PAGS +2 more
Daniel Mora Ardila
Credicorp
1 question for BCH
Also covers: BSAC
ES
Ewald Stark Bittencourt
BICE Investors
1 question for BCH
Also covers: LTM
Recent press releases and 8-K filings for BCH.
Banco de Chile Reports Q4 and Full Year 2025 Results, Provides 2026 Guidance
BCH
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Banco de Chile reported a net income of CLP 1.2 trillion for the full year 2025, with a Return on Average Capital of 21.9%.
- Total loans increased 0.8% year-on-year to CLP 39.2 trillion as of December 2025, driven by 5.3% growth in residential mortgage loans and 3.9% in consumer loans, while commercial loans decreased 3%.
- The bank maintained a strong financial position with a 37.4% efficiency ratio and a low past due loan ratio of 1.7% for 2025, supported by a 223% coverage ratio.
- For 2026, Banco de Chile projects a Return on Average Capital between 19% and 21%, an efficiency ratio of approximately 39%, and a cost of risk between 1.1% and 1.2%. The company anticipates its loan growth to be around 7% nominal, exceeding the industry's projected 4.5%.
1 day ago
Banco de Chile Reports Strong Full-Year 2025 Results and Provides 2026 Guidance
BCH
Earnings
Guidance Update
New Projects/Investments
- Banco de Chile reported a net income of CLP 1.2 trillion for the full year 2025, leading the local banking industry, with a 2.2% return on average assets and a 21.9% return on average capital.
- The bank maintained a robust capital position with a CET1 ratio of 14.5% and a total capital ratio of 18.3% as of December 2025, significantly above regulatory requirements.
- Total loans increased 0.8% year-on-year to CLP 39.2 trillion by December 2025, primarily driven by 5.3% growth in residential mortgage loans and 3.9% in consumer loans.
- For 2026, Banco de Chile projects a return on average capital between 19%-21%, an efficiency ratio around 39%, and a cost of risk between 1.1%-1.2%, anticipating 2.4% GDP growth for Chile.
- Strategic initiatives in 2025 included the launch of Banchile Pagos, a new acquiring and payment processing subsidiary, and an increase in Fan digital accounts to 2.4 million.
1 day ago
Banco de Chile Reports Strong Full Year 2025 Results and Provides 2026 Guidance
BCH
Earnings
Guidance Update
New Projects/Investments
- Banco de Chile reported a net income of CLP 1.2 trillion and a 2.2% return on average assets for the full year 2025, leading the local banking industry in profitability.
- The bank maintained a strong capital position with a CET1 ratio of 14.5% as of December 2025, alongside a 3.5% real contraction in operating expenses for the year.
- Total loans increased 0.8% year-on-year to CLP 39.2 trillion by December 2025, with residential mortgage loans growing 5.3% and consumer loans 3.9%, while commercial loans decreased 3%.
- For 2026, the company expects a return on average capital between 19%-21%, an efficiency ratio of around 39%, and a cost of risk between 1.1%-1.2%.
1 day ago
Banco de Chile Reports Full Year 2025 Financial Results
BCH
Earnings
- Banco de Chile reported a net income for the year of 1,192,262 MCh$ for FY 2025, a slight decrease from 1,207,392 MCh$ in FY 2024.
- Basic earnings per share for FY 2025 were 11.80 $, down from 11.95 $ in FY 2024.
- Total operating income for FY 2025 was 3,026,043 MCh$, a minor reduction from 3,050,285 MCh$ in FY 2024.
- The company's total liabilities and equity increased to 54,100,903 MCh$ as of December 31, 2025, up from 52,095,441 MCh$ as of December 31, 2024.
4 days ago
Banco de Chile Reports Strong Q3 2025 Results and Updates Full-Year Guidance
BCH
Earnings
Guidance Update
New Projects/Investments
- Banco de Chile reported CLP 927 billion in net income for Q3 2025, achieving a Return on Average Capital (ROAC) of 22.3% and maintaining a CET1 ratio of 14.2%.
- The bank revised its GDP forecast for Chile in 2025 to 2.5% and provided full-year 2025 guidance, expecting ROAC around 22.5%, efficiency near 37%, and cost of risk close to 0.9%.
- Loan growth in Q3 2025 included a 7.3% year-on-year increase in mortgage loans and a 3.7% increase in consumer loans, with commercial loans growing 1.3%. The bank's midterm strategy aims for market leadership in commercial and consumer loans, driven by digital transformation and focus on high-potential segments like SMEs.
Nov 7, 2025, 3:30 PM
Banco de Chile Reports Q3 2025 Financial Results
BCH
Earnings
- Banco de Chile reported a net income of MCh$926,725 for the nine-month period ended September 30, 2025, an increase from MCh$909,326 in the prior year, with basic earnings per share rising to MCh$9.17 from MCh$9.00.
- Total operating income for the nine months ended September 30, 2025, reached MCh$2,277,463, a slight increase compared to MCh$2,272,133 for the same period in 2024.
- The company's total liabilities increased to MCh$49,788,548 as of September 30, 2025, from MCh$46,472,440 at December 31, 2024, while total equity grew to MCh$5,681,545 from MCh$5,623,001 over the same period.
- Credit loss expense for the nine-month period ended September 30, 2025, improved to MCh$(266,080), down from MCh$(288,458) in the comparable 2024 period.
Oct 30, 2025, 10:47 AM
BANK OF CHILE Reports Q3 2025 Financial Results
BCH
Earnings
Guidance Update
Demand Weakening
- Net income for Q3 2025 increased by 1.7% to Ch$292,914 million, with year-to-date net income rising 1.9% to Ch$926,725 million.
- The loan portfolio grew 3.7% annually to Ch$39,607,801 million as of September 30, 2025, primarily driven by residential mortgage loans, though the company experienced a 10 bp decline in total loan market share.
- Net fee income showed strong growth, increasing 10.0% in Q3 2025 to Ch$160,249 million and 10.7% year-to-date to Ch$472,773 million, largely due to Mutual Funds and Transactional Services.
- The total past-due ratio for loans rose to 1.56% in September 2025 from 1.48% in September 2024, while the Expected Credit Losses ratio improved to 0.90% year-to-date.
- Capital adequacy ratios remained robust, with the Total Capital Ratio at 17.97% and CET 1 ratio at 14.21% as of September 30, 2025, despite slight annual decreases.
Oct 30, 2025, 10:45 AM
Quarterly earnings call transcripts for BANK OF CHILE.
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