NYSE : BCH
Banco de Chile — Financial statements
Financials · Banks - Regional · Chile
Last price 38.27 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 19.24B
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Financial statements
Income statement
Fiscal year January - December; amounts in CLP.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 2.77T | 2.72T | 2.92T | 3.18T | 4.47T | 2.39T |
| Interest Paid on Deposits | 943.05B | 969.64B | 1.14T | 1.63T | 2.20T | 814.45B |
| Net Interest Income | 1.82T | 1.75T | 1.78T | 1.55T | 2.27T | 1.57T |
| Income From Trading Activities | 78.34B | 107.46B | 102.30B | 351.35B | ||
| Gain (Loss) on Sale of Assets | 3.19B | -365.00M | -6.46B | 3.15B | 4.85B | 1.99B |
| Gain (Loss) on Sale of Investments | 9.63B | 13.17B | 8.29B | -4.18B | ||
| Gain (Loss) on Sale of Equity Investments | 8.96B | 12.46B | 17.05B | 14.43B | 13.03B | 1.79B |
| Other Non-Interest Income | 1.25T | 1.15T | 1.15T | 1.08T | 858.62B | 647.07B |
| Total Non-Interest Income | 1.35T | 1.28T | 1.27T | 1.45T | 876.49B | 650.85B |
| Revenues Before Loan Losses | 3.18T | 3.03T | 3.05T | 2.99T | 3.14T | 2.22T |
| Provision for Loan Losses | 491.49B | 381.92B | 391.75B | 361.25B | 412.13B | 19.17B |
| Revenue | 2.69T | 2.64T | 2.66T | 2.63T | 2.73T | 2.21T |
| Salaries and Employee Benefits | 585.35B | 570.36B | 582.55B | 582.68B | 528.23B | 450.95B |
| Occupancy Expenses | 97.02B | 95.11B | 94.60B | 92.31B | 84.20B | 76.80B |
| Selling, General & Administrative | 434.91B | 421.20B | 407.87B | 395.20B | 353.07B | 322.84B |
| Other Non-Interest Expense | 41.18B | 43.10B | 46.17B | 44.74B | 29.80B | 21.13B |
| Total Non-Interest Expense | 1.16T | 1.13T | 1.13T | 1.11T | 995.30B | 871.72B |
| EBT Excluding Unusual Items | 1.53T | 1.51T | 1.53T | 1.52T | 1.74T | 1.33T |
| Asset Writedown | -462.00M | -729.00M | -1.12B | -1.78B | -131.00M | -1.69B |
| Legal Settlements | -6.53B | -445.00M | -419.00M | 617.00M | -56.00M | -2.00M |
| Pretax Income | 1.52T | 1.51T | 1.53T | 1.52T | 1.74T | 1.33T |
| Income Tax Expense | 307.67B | 320.92B | 318.40B | 273.89B | 289.21B | 275.97B |
| Earnings From Continuing Operations | 1.21T | 1.19T | 1.21T | 1.24T | 1.45T | 1.06T |
| Minority Interest in Earnings | -1.00M | -1.00M | -2.00M | -1.00M | ||
| Net Income | 1.21T | 1.19T | 1.21T | 1.24T | 1.45T | 1.06T |
| Net Income to Common | 1.21T | 1.19T | 1.21T | 1.24T | 1.45T | 1.06T |
| Basic Shares Outstanding | 101.02B | 101.02B | 101.02B | 101.02B | 101.02B | 101.02B |
| Diluted Shares Outstanding | 101.02B | 101.02B | 101.02B | 101.02B | 101.02B | 101.02B |
| EPS (Basic) | 12.00 | 11.80 | 11.95 | 12.31 | 14.31 | 10.46 |
| EPS (Diluted) | 12.00 | 11.80 | 11.95 | 12.31 | 14.31 | 10.46 |
| Dividend Per Share | 10.00 | 10.00 | 9.85 | 8.08 | 8.58 | 5.34 |
| Effective Tax Rate | 20.24% | 21.21% | 20.87% | 18.05% | 16.67% | 20.71% |
Balance sheet
Fiscal year January - December; amounts in CLP.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 2.26T | 1.66T | 2.04T | 2.29T | 3.15T | 2.65T |
| Investment Securities | 4.95T | 4.35T | 3.29T | 7.59T | 7.00T | 5.19T |
| Trading Asset Securities | 4.22T | 5.27T | 4.41T | 5.49T | 6.47T | 6.78T |
| Total Investments | 9.17T | 9.62T | 7.70T | 13.08T | 13.47T | 11.96T |
| Gross Loans | 41.71T | 39.92T | 39.85T | 38.29T | 37.34T | 34.84T |
| Allowance for Loan Losses | -849.07B | -836.17B | -786.97B | -769.72B | -823.25B | -718.77B |
| Other Adjustments to Gross Loans | -334.32B | -327.53B | -310.83B | -268.69B | -238.72B | -171.87B |
| Net Loans | 40.53T | 38.75T | 38.76T | 37.25T | 36.28T | 33.95T |
| Property, Plant & Equipment | 252.20B | 258.66B | 285.95B | 310.55B | 305.05B | 322.51B |
| Goodwill | 16.71B | |||||
| Other Intangible Assets | 182.74B | 174.58B | 158.56B | 137.20B | 123.32B | 72.53B |
| Investments in Real Estate | 10.24B | 11.05B | 11.41B | 11.76B | 12.12B | 12.48B |
| Other Receivables | 891.96B | 1.02T | 921.96B | 737.87B | 512.19B | 316.28B |
| Restricted Cash | 1.77T | 1.82T | 1.40T | 918.65B | 703.83B | 1.84T |
| Other Current Assets | 113.56B | 39.42B | 53.65B | 313.42B | 39.74B | 49.69B |
| Long-Term Deferred Tax Assets | 579.40B | 563.91B | 556.83B | 539.82B | 368.19B | 434.28B |
| Other Real Estate Owned & Foreclosed | 29.95B | 25.60B | 33.45B | 22.89B | 13.77B | 15.46B |
| Other Long-Term Assets | 116.54B | 155.00B | 183.81B | 181.55B | 117.86B | 126.52B |
| Total Assets | 55.91T | 54.10T | 52.10T | 55.79T | 55.11T | 51.76T |
| Accounts Payable | 629.09B | 435.72B | 425.73B | 342.31B | 379.54B | 326.45B |
| Accrued Expenses | 4.97B | 136.08B | 147.38B | 153.74B | 133.32B | 118.66B |
| Interest Bearing Deposits | 17.66T | 16.69T | 16.66T | 17.66T | 16.78T | 11.70T |
| Non-Interest Bearing Deposits | 11.94T | 11.78T | 11.77T | 11.03T | 11.17T | 15.35T |
| Total Deposits | 29.60T | 28.47T | 28.43T | 28.69T | 27.95T | 27.05T |
| Short-Term Borrowings | 3.78T | 3.48T | 2.72T | 2.80T | 3.76T | 3.56T |
| Current Portion of Long-Term Debt | 2.41T | 1.27T | 1.07T | 5.32T | 2.41T | 2.26T |
| Current Portion of Leases | 26.29B | 23.57B | 26.03B | 23.15B | 27.61B | 26.40B |
| Current Income Taxes Payable | 984.00M | 33.81B | 132.00M | 808.00M | 932.00M | 113.13B |
| Other Current Liabilities | 1.66T | 1.75T | 1.36T | 1.50T | 1.46T | 1.29T |
| Long-Term Debt | 10.46T | 11.38T | 11.13T | 10.50T | 13.05T | 11.67T |
| Long-Term Leases | 46.14B | 50.77B | 65.40B | 78.33B | 61.75B | 69.27B |
| Long-Term Unearned Revenue | 64.96B | 75.62B | 80.40B | 80.12B | 92.87B | 106.48B |
| Pension & Post-Retirement Benefits | 126.67B | 8.39B | 8.33B | 9.68B | 10.73B | 6.45B |
| Long-Term Deferred Tax Liabilities | 3.49B | 1.42B | 166.00M | |||
| Other Long-Term Liabilities | 1.26T | 1.18T | 1.01T | 1.07T | 339.32B | 864.85B |
| Total Liabilities | 50.09T | 48.30T | 46.47T | 50.56T | 49.68T | 47.46T |
| Common Stock | 2.42T | 2.42T | 2.42T | 2.42T | 2.42T | 2.42T |
| Retained Earnings | 2.76T | 2.68T | 2.49T | 2.08T | 1.91T | 1.12T |
| Comprehensive Income & Other | 640.86B | 701.90B | 713.52B | 733.98B | 1.10T | 749.21B |
| Total Common Equity | 5.82T | 5.80T | 5.62T | 5.24T | 5.43T | 4.29T |
| Minority Interest | 2.00M | 1.00M | 2.00M | 2.00M | 2.00M | 1.00M |
| Shareholders' Equity | 5.82T | 5.80T | 5.62T | 5.24T | 5.43T | 4.29T |
| Total Liabilities & Equity | 55.91T | 54.10T | 52.10T | 55.79T | 55.11T | 51.76T |
| Total Debt | 16.73T | 16.21T | 15.01T | 18.72T | 19.31T | 17.58T |
| Net Cash (Debt) | -10.09T | -9.03T | -8.39T | -8.65T | -7.62T | -6.91T |
| Net Cash Per Share | -99.84 | -89.39 | -83.01 | -85.59 | -75.43 | -68.41 |
| Filing Date Shares Outstanding | 101.02B | 101.02B | 101.02B | 101.02B | 101.02B | 101.02B |
| Total Common Shares Outstanding | 101.02B | 101.02B | 101.02B | 101.02B | 101.02B | 101.02B |
| Book Value Per Share | 57.66 | 57.41 | 55.66 | 51.85 | 53.77 | 42.50 |
| Tangible Book Value | 5.64T | 5.62T | 5.46T | 5.10T | 5.29T | 4.22T |
| Tangible Book Value Per Share | 55.85 | 55.68 | 54.09 | 50.49 | 52.38 | 41.78 |
Cash flow statement
Fiscal year January - December; amounts in CLP.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 1.21T | 1.19T | 1.21T | 1.24T | 1.45T | 1.06T |
| Depreciation & Amortization | 52.01B | 53.66B | 58.34B | 62.96B | 62.70B | 58.97B |
| Other Amortization | 45.01B | 41.45B | 36.27B | 29.35B | 21.50B | 17.83B |
| Gain (Loss) on Sale of Assets | -8.75B | -8.58B | -2.21B | -4.60B | -5.10B | -2.05B |
| Gain (Loss) on Sale of Investments | 7.97B | -5.18B | -1.71B | 2.32B | 2.29B | 7.57B |
| Total Asset Writedown | 17.86B | 19.42B | 16.06B | 7.03B | 169.00M | 2.11B |
| Provision for Credit Losses | 523.12B | 523.49B | 458.80B | 423.50B | 469.81B | 88.58B |
| Change in Trading Asset Securities | -949.67B | -1.70T | 1.91T | -65.86B | 432.80B | 654.84B |
| Change in Other Net Operating Assets | -734.34B | 712.37B | -3.82T | -1.86T | -1.51T | -2.01T |
| Other Operating Activities | 492.02B | 431.03B | 539.24B | -13.63B | -852.25B | -466.54B |
| Operating Cash Flow | 649.34B | 1.25T | 396.64B | -186.66B | 51.01B | -598.19B |
| Capital Expenditures | -22.21B | -18.70B | -17.23B | -26.74B | -21.23B | -35.58B |
| Sale of Property, Plant and Equipment | 10.57B | 9.06B | 1.29B | 3.63B | 1.33B | 214.00M |
| Investment in Securities | 11.79B | -742.27B | -2.89T | |||
| Income (Loss) Equity Investments | -8.36B | -11.98B | -8.73B | -13.41B | -13.03B | -1.79B |
| Purchase / Sale of Intangibles | -61.26B | -58.60B | -57.62B | -59.95B | -56.89B | -30.22B |
| Other Investing Activities | 3.36B | 3.85B | 3.42B | 5.70B | -28.75B | -29.49B |
| Investing Cash Flow | -69.55B | -64.39B | -58.34B | -77.38B | -847.82B | -2.99T |
| Short-Term Debt Issued | 819.20B | 28.05B | 286.35B | 215.25B | ||
| Long-Term Debt Issued | 1.92T | 984.59B | 938.13B | 1.76T | 2.98T | |
| Total Debt Issued | 1.86T | 2.74T | 1.01T | 1.22T | 1.98T | 2.98T |
| Long-Term Debt Repaid | -2.07T | -1.53T | -1.90T | -1.60T | -1.39T | |
| Lease Payments | -30.23B | -30.90B | -29.99B | -32.08B | ||
| Net Debt Issued (Repaid) | -774.83B | 668.04B | -516.38B | -673.99B | 378.02B | 1.60T |
| Common Dividends Paid | -1.01T | -995.38B | -815.93B | -866.93B | -539.83B | -220.27B |
| Net Increase (Decrease) in Deposit Accounts | 129.39B | 54.03B | -225.29B | 1.23T | 77.61B | 3.60T |
| Other Financing Activities | -1.00M | -1.00M | -1.00M | |||
| Financing Cash Flow | -1.66T | -273.31B | -1.56T | -312.84B | -84.20B | 4.98T |
| Foreign Exchange Rate Adjustments | 68.58B | -78.11B | 164.74B | 15.64B | 38.01B | 324.96B |
| Net Cash Flow | -1.01T | 832.56B | -1.05T | -561.24B | -843.00B | 1.72T |
| Free Cash Flow | 627.13B | 1.23T | 379.42B | -213.41B | 29.77B | -633.77B |
| Free Cash Flow Margin | 23.35% | 46.51% | 14.27% | -8.10% | 1.09% | -28.73% |
| Free Cash Flow Per Share | 6.21 | 12.17 | 3.76 | -2.11 | 0.29 | -6.27 |
| Free Cash Flow After Leases | 596.90B | 1.20T | 349.42B | -245.49B | 29.77B | -633.77B |
| Cash Interest Paid | 1.45T | 1.39T | 1.57T | 2.14T | 1.34T | 262.89B |
Ratios
Fiscal year January - December; amounts in CLP.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 19.42B | 19.51B | 11.49B | 11.92B | 10.46B | 7.89B |
| Last Close Price | 36.55 | 36.35 | 20.47 | 19.70 | 16.37 | 11.76 |
| PE Ratio | 15.62 | 14.74 | 9.46 | 8.41 | 6.15 | 6.37 |
| PS Ratio | 6.75 | 6.65 | 4.30 | 3.97 | 3.26 | 3.05 |
| PB Ratio | 3.11 | 3.03 | 2.03 | 2.00 | 1.64 | 1.57 |
| P/FCF Ratio | 29.24 | 14.29 | 30.10 | 298.60 | ||
| P/OCF Ratio | 28.24 | 14.08 | 28.79 | 174.28 | ||
| Debt / Equity Ratio | 2.87 | 2.79 | 2.67 | 3.57 | 3.56 | 4.09 |
| Debt / FCF Ratio | 26.68 | 13.18 | 39.56 | 648.50 | ||
| Net Debt / Equity Ratio | 1.73 | 1.56 | 1.49 | 1.65 | 1.40 | 1.61 |
| Net Debt / FCF Ratio | 16.08 | 7.34 | 22.10 | -40.51 | 255.95 | -10.90 |
| Return on Equity (ROE) | 21.08% | 20.88% | 22.23% | 23.31% | 29.73% | 26.34% |
| Return on Assets (ROA) | 2.18% | 2.25% | 2.24% | 2.24% | 2.71% | 2.16% |
| Earnings Yield | 6.40% | 6.78% | 10.57% | 11.90% | 16.26% | 15.71% |
| FCF Yield | 3.42% | 7.00% | 3.32% | -2.04% | 0.34% | -9.43% |
| Dividend Yield | 4.36% | 5.75% | 8.72% | 7.80% | 9.75% | 8.03% |
| Payout Ratio | 68.07% | 83.49% | 67.58% | 69.71% | 37.34% | 20.85% |
| Total Shareholder Return | 4.53% | 5.75% | 8.72% | 7.80% | 9.75% | 8.03% |