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 -

Q3 2025

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.

Banco De Chile (BCH) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

BCH Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.61 / -	0.597	―	―	―
Jul 31, 2025	2025 (Q2)	0.64 / 0.62	0.669	-7.62% (-0.05)	―	―
Apr 29, 2025	2025 (Q1)	0.61 / 0.69	0.617	11.35% (+0.07)	―	―
Feb 12, 2025	2024 (Q4)	0.62 / 0.62	0.82	-24.63% (-0.20)
Oct 29, 2024	2024 (Q3)	0.63 / 0.60	0.565	5.66% (+0.03)	―	―
Jul 30, 2024	2024 (Q2)	0.66 / 0.67	0.795	-15.85% (-0.13)
Apr 30, 2024	2024 (Q1)	0.58 / 0.62	0.655	-5.80% (-0.04)
Jan 25, 2024	2023 (Q4)	0.76 / 0.82	0.828	-0.97% (>-0.01)	―	―
Oct 30, 2023	2023 (Q3)	0.62 / 0.56	0.712	-20.65% (-0.15)
Jul 27, 2023	2023 (Q2)	0.77 / 0.80	0.919	-13.49% (-0.12)	―	―

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
Jul 31, 2025	$27.37	$27.32	-0.18%
Apr 29, 2025	$30.45	$30.09	-1.18%
Feb 12, 2025	$24.70	$24.94	+0.97%
Oct 29, 2024	$23.06	$22.52	-2.34%

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 Oct 28, 2025, After Close (Confirmed).

What is Banco De Chile (BCH) earnings time?

Banco De Chile (BCH) earnings time is at Oct 28, 2025, 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?

BCH EPS forecast for the fiscal quarter 2025 (Q3) is 0.61.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing