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Banco de Chile (CHILE) investor relations material
Banco de Chile Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Net income for 3Q25 reached CLP 293 billion, up 1.7% year-on-year, with YTD net income at CLP 927 billion, up 1.9%, maintaining market leadership in profitability, efficiency, and capital strength.
ROAC was 22.4% for 3Q25, with a year-to-date average of 22.3%, and return on average assets at 2.3%.
Continued strategic focus on efficiency, digital transformation, and customer-centric initiatives, including Socofin integration and AI-driven services expansion.
Recognized for top customer satisfaction for the third consecutive year.
Retail Banking led pre-tax income, followed by Wholesale Banking, with subsidiaries and Treasury contributing less.
Financial highlights
Operating revenues for 3Q25 were CLP 736 billion, up 2.1% year-on-year; YTD revenues were CLP 2,277 billion, up 0.2%.
Net interest margin for 3Q25 was 4.29%, with a year-to-date average of 4.65%.
Fee margin as a percentage of interest-earning assets reached 1.3%, with net fee income up 10.0% in 3Q25.
Efficiency ratio improved to 36.8% YTD and 37.6% in 3Q25.
Total loans reached CLP 39.6 trillion, up 3.7% year-on-year.
Outlook and guidance
GDP growth forecast for Chile in 2025 revised to 2.5%, with inflation expected to decline to 3.9% by December 2025.
FY2025 guidance: ROAC around 22.5%, efficiency near 37%, and cost of risk close to 0.9%.
Loan book growth projected at 4.0–4.5% in nominal terms by year-end, with demand deposits expected to grow 4.5–5.0%.
Anticipate loan growth recovery as uncertainty eases and business sentiment improves.
Confident in maintaining long-term profitability leadership, supported by a strong customer base and robust capital.
Capital deployment strategy and timeline?
How to gain loan share in current market?
What specific macro drivers will boost loans?
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Next Banco de Chile earnings date
Q4 202515 Jan, 2026
Next Banco de Chile earnings date
Q4 202515 Jan, 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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