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Banco de Chile
Banco de Chile (CHILE) investor relations material
Banco de Chile Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Achieved market leadership in net income, return on average assets, net fee income, and net interest margin among peers for 2025, reflecting resilient core revenues and disciplined management.
Net income for 2025 was CLP 1,192,262 million, down 1.3% year-over-year, with a 2.2% return on average assets and a CET1 ratio of 14.5%, the highest among peers.
Maintained top market value among private banks in Chile and led in average trade volumes, demonstrating strong investor confidence.
Recognized for best customer satisfaction, corporate governance, workplace, and as best bank in Chile.
Strategic advances included digital account growth, new payment subsidiary, and ESG bond issuance.
Financial highlights
Net income for 2025 reached CLP 1,192 billion, with a ROAC of 21.9% and ROAA of 2.2%.
Operating revenues for 2025 were CLP 3,026 billion, with a NIM of 4.6% and fee margin of 1.3%.
Net fee and commission income grew 11.4% year-over-year to CLP 637,259 million, driven by mutual funds, transactional services, and stock brokerage.
Cost-to-income ratio improved to 37.4% for 2025; guidance for 2026 is around 39%.
NIM remains the strongest among peers, supported by leadership in demand deposits and a diversified loan mix.
Outlook and guidance
2026 GDP growth expected at 2.4%, with inflation converging to 3% and policy rate to 4.25%.
Loan growth guidance: total loans to grow 6–7% nominal, above the industry forecast of ~4.5%, with commercial, consumer, and mortgage loans expected to expand.
Return on average capital guidance for 2026 is 19%-21%, efficiency ratio around 39%, and cost of risk between 1.1%-1.2%.
Fee income expected to grow at high single to low double digits, with expense growth in line with or slightly above inflation.
How to mitigate high external fraud operational losses?
Address recent market share decline in loans
Rationale for Board of Directors reduction?
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Next Banco de Chile earnings date
Q1 20268 May, 2026
Banco de Chile
Next Banco de Chile earnings date
Q1 20268 May, 2026
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Frequently asked questions
Banco de Chile is a financial institution in Chile, primarily engaged in providing a wide array of banking services. The bank offers personal and commercial banking services, including checking and savings accounts, loans, credit cards, and investment products. Additionally, Banco de Chile provides corporate banking services, such as commercial loans, treasury services, and international trade finance. The bank serves various sectors, including individuals, small and medium-sized enterprises (SMEs), and large corporations. Banco de Chile also offers wealth management and financial advisory services to its clients. The company is headquartered in Santiago, Chile, and its shares are listed on the Santiago Stock Exchange.
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