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Banco De Chile (BCH)
NYSE:BCH
Earnings Data
Report Date
Apr 29, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
0.57Last Year’s EPS
0.62Same Quarter Last Year
Moderate Sell
Based on 1 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Feb 12, 2025
|% Change Since: 1.54%
|Next Earnings Date:Apr 29, 2025
Earnings Call Sentiment|Neutral
Banco de Chile demonstrated strong financial performance with record net income and return on capital, significant retail loan growth, and continued digital banking expansion. However, this was partially offset by declines in non-customer income, weak commercial loan growth, exchange rate volatility, and persistent inflation pressures. The overall sentiment is balanced with strong operational highlights but notable macroeconomic challenges.Company Guidance
In the fourth quarter of 2024, Banco de Chile reported robust financial performance with a net income of CLP 1,207 billion, reflecting a return on average capital of 23.1%, significantly surpassing the local industry's 15.8%. This was fueled by strong margins, asset quality, and efficiency improvements. The Chilean economy expanded by 2.5% in 2024, with commerce and mining sectors showing substantial growth of 7.4% and 6.2% respectively in the fourth quarter. Although the CPI increased by 4.5% due to electricity bill hikes and a weaker peso, the Central Bank maintained the interest rate at 5% after a 625 basis point reduction over the year. Banco de Chile anticipates a 2% GDP growth for 2025, driven by positive export dynamics and domestic demand, projecting a 3.8% inflation rate and stable interest rates. The bank's strategic focus remains on customer satisfaction, efficiency, and sustainability, aiming for a long-term return on average capital of 18%.Record Net Income and Return on Capital
Banco de Chile reported a net income of CLP 1,207 billion with a return on average capital of 23.1%, significantly outperforming the industry average of 15.8%.
Strong Retail Loan Growth
Retail loan portfolio represents 65% of the total loan book, with consumer loans and residential mortgages showing significant growth.
Digital Banking Expansion
Continued growth in digital banking, achieving 1.7 million customers, and the launch of new digital accounts and features.
Efficiency and Cost Control
Operating expenses grew by only 1.5%, below inflation, leading to a cost-to-income ratio of 37%, better than peers.
Strong Capital Adequacy
CET1 ratio at 14.4% and total capital adequacy ratio well above regulatory requirements, positioning the bank for future growth opportunities.
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BCH Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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BCH Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Feb 12, 2025 | $25.97 | $26.22 | +0.96% |
| Oct 29, 2024 | $24.24 | $23.67 | -2.35% |
| Jul 30, 2024 | $23.63 | $23.54 | -0.38% |
| Apr 30, 2024 | $22.48 | $22.08 | -1.78% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Banco De Chile (BCH) report earnings?
Banco De Chile (BCH) is schdueled to report earning on Apr 29, 2025, TBA Not Confirmed.
What is Banco De Chile (BCH) earnings time?
Banco De Chile (BCH) earnings time is at Apr 29, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BCH EPS forecast?
BCH EPS forecast for the fiscal quarter 2025 (Q1) is 0.57.
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