)
Visual22 Oct 2025
Epiroc's cash spent on M&A
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?
Loan growth normalization for revenue support?
Capital deployment strategy given high ratios?
Sustaining efficiency gains beyond easy reductions?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Banco de Chile earnings date
Q3 20257 Nov, 2025
Next Banco de Chile earnings date
Q3 20257 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage