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Banco de Chile (CHILE) investor relations material
Banco de Chile Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Net income for 2Q25 was CLP 304.9 billion, down 5.8% year-over-year, but YTD net income rose 2.0% to CLP 654 billion, driven by resilient core revenues and improved credit quality.
Maintained leading market share in net income at 22.1% as of June 2025, with strong profitability metrics and robust capital ratios.
Strategic focus on digital transformation, efficiency, customer-centric growth, and sustainability, including a US$122 million ESG bond placement.
Outperformed peers in net income market share and return on average assets.
Efficiency ratio improved to 36.4% YTD, outperforming the industry by 748bp.
Financial highlights
Net interest margin was 4.71% in 2Q25 and 4.8% as of June, with net interest income for 2Q25 at CLP 430.8 billion.
Fee income rose 8.1% year-over-year, led by mutual fund management and transactional products.
Operating margin for H1 was 6.6%, with efficiency ratio at 36.4%, improved from pre-pandemic levels.
Cost of risk for 2Q25 was 0.98%, with ECL ratio at 0.95% YTD, both below long-term averages.
Total capital ratio reached 17.8% and CET1 ratio 14.0% as of June 2025.
Outlook and guidance
GDP growth forecast for 2025 revised up to 2.3% due to stronger early-year performance.
FY2025 guidance: NIM ~4.7%, ECL ratio ~1.0%, efficiency ratio ~38%, ROAC ~21%.
Loan growth forecasted at 4.0–4.5% nominal for 2025, with focus on commercial and consumer loans.
Management confident in maintaining top profitability and strong capital position amid a volatile global environment.
Expect to grow above industry in local-currency demand deposits and maintain leadership in key segments.
How did the FCIC funding affect income?
What is driving growth in mortgage loans?
What is the outlook for the CMF regulation?
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Next Banco de Chile earnings date
Q3 20257 Nov, 2025
Next Banco de Chile earnings date
Q3 20257 Nov, 2025
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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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