Yuri Fernandes

Andrés Soto

Neha Agarwala

Daer Labarta

Ernesto María Gabilondo Márquez

Beatriz Bomfim de Abreu

Daniel Mora Ardila

Ernesto Gabilondo

Ewald Stark Bittencourt

Lindsey Shema

- **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**.  **[1161125_0001213900-25-103743_ea026296501ex99-1_bank.htm:18]** 
- 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.  **[1161125_0001213900-25-103743_ea026296501ex99-1_bank.htm:38]** **[1161125_0001213900-25-103743_ea026296501ex99-1_bank.htm:43]** 
- **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.  **[1161125_0001213900-25-103743_ea026296501ex99-1_bank.htm:24]** 
- 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.  **[1161125_0001213900-25-103743_ea026296501ex99-1_bank.htm:29]** 
- **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.  **[1161125_0001213900-25-103743_ea026296501ex99-1_bank.htm:67]**

BANK OF CHILE Reports Q3 2025 Financial Results

- 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.  **[1161125_0001213900-25-103744_ea026280401ex99-1_bank.htm:5]** 
- 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.  **[1161125_0001213900-25-103744_ea026280401ex99-1_bank.htm:4]** 
- 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$5,623,001 over the same period.  **[1161125_0001213900-25-103744_ea026280401ex99-1_bank.htm:3]** 
- Credit loss expense for the nine-month period ended September 30, 2025, improved to **MCh$(266,080)**, down from MCh$(288,458) in the comparable 2024 period.  **[1161125_0001213900-25-103744_ea026280401ex99-1_bank.htm:5]**

Banco de Chile Reports Q3 2025 Financial Results

BANK OF CHILE (BCH)