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Banco De Chile (BCH)
NYSE:BCH
Earnings Data
Report Date
May 05, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.69Same Quarter Last Year
Moderate Sell
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong franchise metrics — market leadership in profitability, robust capital and provisioning, high efficiency and healthy digital/customer traction — which are offset by continued weakness in commercial/wholesale loan demand, normalization of market‑driven income and some near‑term increases in cost of risk. Management provided constructive guidance (ROAC 19%–21%, efficiency ~39%, cost of risk 1.1%–1.2%) and signaled intent to deploy excess capital to grow, but noted macro and policy timing risks that could delay a fuller lending recovery.Company Guidance
Top Industry Profitability and Returns
Banco de Chile delivered record leadership in 2025 with net income of CLP 1.2 trillion for the year and CLP 266 billion in the quarter, a return on average assets of 2.2% versus the industry 1.3%, and return on average capital guidance of 19%–21% for 2026.
Strong Capital and Provisioning
CET1 ratio of 14.5% and total capital ratio of 18.3% at December 2025, with total provisions of CLP 1.5 trillion and a coverage ratio of 223%, including CLP 661 billion in additional provisions cited as a buffer.
Resilient Core Revenues and Margins
Total operating revenues reached CLP 749 billion in the quarter and CLP 3 trillion for the full year; customer income grew ~4.2%–4.4% year‑on‑year, and the bank maintained the strongest net interest margin and operating margin among peers.
Cost Efficiency and Expense Control
Operating expenses showed contraction: management cited a 3.5% real reduction in operating expenses; Q4 operating expenses were CLP 293 billion with full‑year efficiency (cost-to-income) at 37.4% for 2025 and guidance around 39% for 2026.
Digital & Commercial Momentum
FAN digital accounts grew to 2.4 million (+25% YoY) with balances per account up 32% YoY; consumer originations and consumer loans increased ~7.2% YoY; SME current accounts grew ~12% YoY and non‑government guaranteed SME installment loans rose 9.4% YoY.
Funding Strength and Low Funding Cost Base
Demand deposits represent 26.8% of liabilities and the demand deposit-to-loan ratio is 37% (highest among peers), supporting one of the lowest funding cost structures in the industry.
New Strategic Initiatives
Launched Banchile Pagos (acquiring and payment processing) to deepen fee streams and digital payments; Banchile Pagos customer traction early stage with targeted SME base (~160k) and is expected to contribute to future fee growth.
Asset Quality Metrics and Credit Discipline
Full‑year expected credit losses were CLP 382 billion (down 2.5% YoY); cost of risk improved to 0.97% in 2025; the bank's past‑due loan ratio of 1.7% remains below peers and industry averages.
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
BCH Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 04, 2026 | $46.36 | $45.38 | -2.11% |
Oct 30, 2025 | $34.43 | $34.88 | +1.31% |
Jul 31, 2025 | $27.37 | $27.32 | -0.18% |
Apr 29, 2025 | $30.45 | $30.09 | -1.18% |
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.
FAQ
When does Banco De Chile (BCH) report earnings?
Banco De Chile (BCH) is schdueled to report earning on May 05, 2026, After Close (Confirmed).
What is Banco De Chile (BCH) earnings time?
Banco De Chile (BCH) earnings time is at May 05, 2026, After Close (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?
Currently, no data Available