Banco de Chile (BCH)

Banco de Chile Income Statement

Financials in millions CLP. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	2,919,967	3,181,624	4,466,881	2,388,470	1,873,019
Interest Paid on Deposits	-	1,138,312	1,634,708	2,200,752	814,448	560,007
Net Interest Income	1,740,320	1,781,655	1,546,916	2,266,129	1,574,022	1,313,012
Net Interest Income Growth (YoY)	-1.91%	15.17%	-31.74%	43.97%	19.88%	-4.12%
Income From Trading Activities	-36,946	102,301	351,352	-	-	-
Gain (Loss) on Sale of Assets	-4,000	-6,465	3,146	4,848	1,986	2,249
Gain (Loss) on Sale of Investments	-4	8,289	-4,181	-	-	27,091
Gain (Loss) on Sale of Equity Investments	9,968	17,052	14,432	13,031	1,793	-
Other Non-Interest Income	1,346,277	1,147,453	1,083,207	858,615	647,070	596,391
Total Non-Interest Income	1,315,295	1,268,630	1,447,956	876,494	650,849	625,731
Non-Interest Income Growth (YoY)	-3.36%	-12.38%	65.20%	34.67%	4.01%	-3.01%
Revenues Before Loan Losses	3,055,615	3,050,285	2,994,872	3,142,623	2,224,871	1,938,743
Provision for Loan Losses	369,376	391,754	361,251	412,130	19,172	462,680
Revenue	2,686,239	2,658,531	2,633,621	2,730,493	2,205,699	1,476,063
Revenue Growth (YoY)	-1.20%	0.95%	-3.55%	23.79%	49.43%	-11.47%
Salaries and Employee Benefits	163,178	582,547	582,684	528,226	450,952	457,176
Occupancy Expenses	23,650	94,601	92,308	84,205	76,798	73,357
Selling, General & Administrative	102,103	411,090	398,195	353,067	322,840	318,092
Other Non-Interest Expense	851,045	42,956	41,750	29,798	21,131	31,850
Total Non-Interest Expense	1,139,976	1,131,194	1,114,937	995,296	871,721	885,136
EBT Excluding Unusual Items	1,546,263	1,527,337	1,518,684	1,735,197	1,333,978	590,927
Asset Writedown	-1,162	-1,121	-1,779	-131	-1,690	-1,661
Legal Settlements	-326	-419	617	-56	-2	-195
Pretax Income	1,544,775	1,525,797	1,517,522	1,735,010	1,332,286	589,071
Income Tax Expense	319,984	318,405	273,887	289,209	275,969	125,962
Earnings From Continuing Operations	1,224,791	1,207,392	1,243,635	1,445,801	1,056,317	463,109
Minority Interest in Earnings	-	-	-1	-2	-1	-1
Net Income	1,224,791	1,207,392	1,243,634	1,445,799	1,056,316	463,108
Net Income to Common	1,224,791	1,207,392	1,243,634	1,445,799	1,056,316	463,108
Net Income Growth	-5.41%	-2.91%	-13.98%	36.87%	128.09%	-21.91%
Basic Shares Outstanding	101,017	101,017	101,017	101,017	101,017	101,017
Diluted Shares Outstanding	101,017	101,017	101,017	101,017	101,017	101,017
Shares Change (YoY)	-0.01%	-	-	-	-	-
EPS (Basic)	12.12	11.95	12.31	14.31	10.46	4.58
EPS (Diluted)	12.12	11.95	12.31	14.31	10.46	4.58
EPS Growth	-5.42%	-2.92%	-13.98%	36.85%	128.31%	-21.98%
Dividend Per Share	9.854	9.854	8.077	8.582	5.344	2.181
Dividend Growth	21.99%	21.99%	-5.88%	60.59%	145.07%	-37.16%
Effective Tax Rate	20.71%	20.87%	18.05%	16.67%	20.71%	21.38%

Updated Mar 6, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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