The earnings call highlighted strong financial results and operational efficiency, with Banco de Chile maintaining a robust capital position and high asset quality. However, loan growth remained subdued, and the macroeconomic environment posed challenges, including inflationary pressures and political uncertainties.

Company Guidance

In Banco de Chile's second quarter 2025 results conference call, the bank reported a net income of CLP 654 billion, marking a year-to-date growth of 2% and achieving a return on average equity (ROAE) of 21.9%. The results were attributed to strong customer income, improved asset quality, and increased loan activity in targeted segments. The Chilean economy showed signs of recovery with a GDP growth of 2.3% year-on-year in the first quarter and 2.9% in the second quarter. Inflation trends indicated a downward trajectory with a headline rate of 4.1% in June, while the Central Bank's policy rate was lowered to 4.75%. The bank's operating revenues remained strong at CLP 763 billion, driven by a 2.7% increase in customer income and an 8.1% rise in fee income. Banco de Chile's efficiency ratio improved to 36.4%, and the net interest margin was maintained at 4.7%. The bank's capital position remained robust, with a common equity Tier 1 ratio of 14%, allowing flexibility for future growth opportunities.

Strong Net Income and ROE

Banco de Chile reported a net income of CLP 654 billion YTD with a growth of 2% and an ROAE of 21.9% as of June 2025.

Resilient Operating Revenues

Operating income totaled CLP 763 billion in Q2 2025, with customer income rising by 2.7% year-on-year and fee income increasing by 8.1% annually.

Leadership in Net Income Market Share

Banco de Chile outperformed its peers in both net income market share and return on average assets.

Cost Control and Efficiency

Operating expenses remained flat compared to the first quarter of 2025 and increased by only 3% year-over-year, below the inflation rate of 4.5%.

High Asset Quality and Coverage

Nonperforming loans stood at 1.47% with a coverage ratio of 252%, significantly above peers.

Solid Capital Base

Common Equity Tier 1 ratio was 14%, with a total Basel III capital ratio of 17.8%, well above the regulatory minimum.

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

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BCH Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.62 / -	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 0.62.

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