Chile · Delayed Price · Currency is CLP Banco de Crédito e Inversiones Earnings Call Transcripts
Fiscal Year 2026
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Q1 2026 saw net income rise 5.34% year-over-year to $311 million, with strong loan and deposit growth, improved efficiency, and robust asset quality. Guidance remains unchanged amid market volatility, while capital and liquidity positions are solid.
Fiscal Year 2025
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Net income surged 27% year-over-year in H1 2025, driven by strong commercial and international operations, especially at CNB. Guidance for full-year consolidated net income was raised to 20%-22% growth, with robust capital and asset quality metrics maintained.
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Record Q1 2025 net income rose 31.8% year-over-year, driven by strong operating income, margin expansion, and lower provisions. Digital and U.S. operations outperformed, with robust loan and deposit growth, while guidance for 2025 net income was raised to 13%-15% growth.
Fiscal Year 2024
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Net income rose 17.5% year-over-year, with strong loan and deposit growth, improved efficiency, and robust capital. 2025 guidance targets 10% consolidated net income growth, stable risk, and MACH Bank breakeven by 2026.
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Net income surged 25.8% year-over-year, driven by strong local operations and digital growth. Guidance for 2024 was raised to 13%-15% net income growth, with stable NIM and robust capital ratios. City National Bank's repositioning and digital initiatives further support future earnings.
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Strong Q2 2024 results driven by local loan growth, higher NIM, and robust digital expansion. Net income guidance raised to ~10% growth, with stable asset quality and efficiency improvements expected. Consolidated CET1 ratio and capital base remain solid.