BCH on NYSE

Banco de Chile

Logo: Banco de Chile, Public domain, via Wikimedia Commons⁴

Chilean bank

Price unavailable

Last updated Oct 16, 2026.

Overview

Oct 1893Founded¹

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TickerBCH on NYSE¹
Industryeconomics of banking, financial services¹
HeadquartersSantiago¹
Websitewww.bancochile.cl
Legal formpublic company¹
Listed onNew York Stock Exchange (BCH), Santiago Stock Exchange (CHILE)¹
Business addressPaseo Ahumada 251, Santiago, F3 00000⁵
Filer categoryLarge accelerated filer⁵

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Banco de Chile (English: Bank of Chile) is a Chilean bank and financial services company with headquarters in the city of Santiago de Chile. It's a commercial bank that provides a range of financial services to clients. As of December 31, 2012, Banco de Chile has a national network of 434 branches, 1,915 ATMs and other electronic channels of distribution.³

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Operating income⁷⁸⁹$1.6B in 2021+43% since 2018

Net income⁸¹⁰$1.4T in 2022+140% since 2018

Every line of the income statement in the latest annual report, as filed.¹¹

Period ending	2025-12-31	2024-12-31	2023-12-31
Interest and Inflation indexation revenue	3.4T CLP	3.8T CLP	4.0T CLP
Interest and Inflation indexation expense	-1.3T CLP	-1.6T CLP	-2.1T CLP
Net interest and Inflation indexation income	2.1T CLP	2.2T CLP	1.9T CLP
Fee and commission income	774.2B CLP	717.3B CLP	703.1B CLP
Fee and commission expense	-153.5B CLP	-161.0B CLP	-168.4B CLP
Net fee and commission income	620.7B CLP	556.3B CLP	534.7B CLP
Net financial result	272.3B CLP	280.5B CLP	469.6B CLP
Income from investments in other companies	12.0B CLP	16.7B CLP	13.4B CLP
Income (expense) from non-current assets and disposal groups held for sale not admissible as discontinued operations	6.0B CLP	-458.0M CLP	2.8B CLP
Other operating income	48.5B CLP	51.8B CLP	72.9B CLP
TOTAL OPERATING INCOME, BEFORE EXPECTED CREDIT LOSSES	3.0T CLP	3.1T CLP	3.0T CLP
Expected credit losses	-394.9B CLP	-352.7B CLP	-201.9B CLP
TOTAL OPERATING INCOME, NET OF EXPECTED CREDIT LOSSES	2.6T CLP	2.7T CLP	2.8T CLP
Personnel expenses	-570.4B CLP	-582.5B CLP	-582.7B CLP
Administrative expenses	-429.6B CLP	-416.7B CLP	-403.3B CLP
Depreciation and amortization	-95.1B CLP	-94.6B CLP	-92.3B CLP
Impairment of non-financial assets	-1.9B CLP	-2.9B CLP	-1.8B CLP
Other operating expenses	-34.0B CLP	-36.0B CLP	-36.1B CLP
TOTAL OPERATING EXPENSES	-1.1T CLP	-1.1T CLP	-1.1T CLP
NET OPERATING INCOME, BEFORE INCOME TAX	1.5T CLP	1.6T CLP	1.7T CLP
Income tax	-318.4B CLP	-333.6B CLP	-322.1B CLP
NET INCOME FOR THE YEAR	1.2T CLP	1.2T CLP	1.4T CLP
Banks Shareholders	1.2T CLP	1.2T CLP	1.4T CLP
Non-controlling interests			1.0M CLP
Basic earnings (in Pesos per share)	11.73 CLP	12.36 CLP	13.60 CLP
Diluted earnings (in Pesos per share)	11.73 CLP	12.36 CLP	13.60 CLP

Total assets⁷⁸⁹$60.3B in 2021+17% since 2018

Total liabilities⁷⁸⁹$54.7B in 2021+19% since 2018

Shareholders’ equity⁷⁸⁹$5.7B in 2021+7% since 2018

Cash⁷⁸⁹$4.7B in 2021+154% since 2018

Every line of the balance sheet in the latest annual report, as filed.¹¹

Period ending	2025-12-31	2024-12-31	2023-12-31
Cash and deposits in banks	2.6T CLP	2.7T CLP
Transactions in the course of collection	414.4B CLP	372.5B CLP
Derivative financial instruments	1.9T CLP	2.3T CLP
Debt financial instruments	3.1T CLP	1.7T CLP
Others	402.3B CLP	411.7B CLP
Debt financial instruments	3.5T CLP	2.1T CLP
Equity instruments	11.2B CLP	9.5B CLP
Derivative financial instruments for hedging purposes	29.7B CLP	74.0B CLP
Rights by resale agreements	100.6B CLP	87.3B CLP
Debt financial instruments	460.9B CLP	944.1B CLP
Loans to Banks	398.0B CLP	665.7B CLP
Commercial loans	19.3T CLP	19.9T CLP
Residential mortgage loans	13.9T CLP	13.2T CLP
Consumer loans	5.3T CLP	5.2T CLP
Investments in other companies	75.8B CLP	67.3B CLP	65.1B CLP
Intangible assets	208.0B CLP	192.0B CLP
Property and equipment	179.4B CLP	189.1B CLP
Right-of-use assets	79.2B CLP	96.9B CLP
Current tax assets	1.8B CLP	159.9B CLP
Deferred tax assets	331.8B CLP	322.2B CLP
Other assets	1.7T CLP	1.4T CLP
Non-current assets and disposal groups held for sale	40.6B CLP	42.0B CLP
TOTAL ASSETS	54.1T CLP	52.1T CLP
Transactions in the course of payments	564.2B CLP	283.6B CLP
Derivative financial instruments	2.1T CLP	2.4T CLP
Others	512.0M CLP	990.0M CLP
Derivative financial instruments for hedging purposes	297.8B CLP	141.0B CLP
Current accounts and other demand deposits	14.8T CLP	14.6T CLP
Time deposits and saving accounts	14.2T CLP	14.3T CLP
Obligations by repurchase agreements	286.9B CLP	109.8B CLP
Borrowings from financial institutions	1.3T CLP	1.1T CLP
Debt financial instruments issued	10.8T CLP	9.7T CLP
Other financial obligations	367.3B CLP	284.5B CLP
Lease liabilities	74.3B CLP	91.4B CLP
Regulatory capital financial instruments	1.1T CLP	1.1T CLP
Provision for dividends	357.7B CLP	362.2B CLP
Provisions for contingent loan credit risk	85.7B CLP	87.5B CLP
Other provisions	40.4B CLP	43.1B CLP
Current tax liabilities	33.8B CLP	132.0M CLP
Deferred tax liabilities	1.4B CLP	166.0M CLP
Employee benefits	140.2B CLP	151.6B CLP
Other liabilities	948.1B CLP	711.4B CLP
TOTAL LIABILITIES	47.4T CLP	45.6T CLP
Capital	2.4T CLP	2.4T CLP
Reserves	1.4T CLP	1.3T CLP
Accumulated other comprehensive income	-9.8B CLP	3.8B CLP
Retained earnings from previous years	2.1T CLP	1.9T CLP
Income for the year	1.2T CLP	1.2T CLP
Less: Provision for dividends	-357.7B CLP	-362.2B CLP
Banks Shareholders	6.7T CLP	6.5T CLP
Non-controlling interests	1.0M CLP	2.0M CLP
TOTAL EQUITY	6.7T CLP	6.5T CLP	6.1T CLP
TOTAL LIABILITIES AND EQUITY	54.1T CLP	52.1T CLP

Cash from operations⁷⁸⁹$3.5B in 2021

Capital spending⁷⁸⁹$40.1M in 2021−1% since 2018

Free cash flow⁷⁸⁹$3.5B in 2021

Every line of the cash flow in the latest annual report, as filed.¹¹

Period ending	2025-12-31	2024-12-31	2023-12-31
Net operating income, before income tax	1.5T CLP	1.6T CLP	1.7T CLP
Income tax	-318.4B CLP	-333.6B CLP	-322.1B CLP
Net income for the year	1.2T CLP	1.2T CLP	1.4T CLP
Depreciation and amortization	95.1B CLP	94.6B CLP	92.3B CLP
Impairment of non-financial assets	1.9B CLP	2.9B CLP	1.8B CLP
Allowances established for credit risk	462.1B CLP	421.2B CLP	321.8B CLP
Provisions for contingent loans	-290.0M CLP	-4.2B CLP	-53.9B CLP
Impairments for credit risk from financial assets at FVTOCI	4.4B CLP	1.0B CLP	-2.8B CLP
Fair value of debt financial instruments held for trading at FVTPL	-5.2B CLP	-1.7B CLP	2.3B CLP
Change in deferred tax assets and liabilities	-9.7B CLP	-1.5B CLP	44.5B CLP
Net gain from investments in associates and joint ventures	-12.0B CLP	-8.7B CLP	-13.4B CLP
Net gain on sale of assets received in payments	-2.2B CLP	-2.4B CLP	-1.4B CLP
Net gain on sale of sale of property and equipment	-6.7B CLP	-938.0M CLP	-3.0B CLP
Write-off of assets received in lieu of payment or foreclosed at judicial auction	225.0M CLP	1.2B CLP	485.0M CLP
Net change in exchange rates, interest, indexation and fees accrued on assets and liabilities	478.8B CLP	553.4B CLP	203.5B CLP
Other debits (credits) that do not represent movements in cash flows	25.1B CLP	-6.5B CLP	-60.2B CLP
Net decrease (increase) in loans to banks	263.6B CLP	1.9T CLP	-340.4B CLP
Net (increase) in loans to customers	-767.8B CLP	-1.5T CLP	-913.8B CLP
Net decrease (increase) in debt financial instruments held for trading at FVTPL	-1.4T CLP	1.6T CLP	-55.3B CLP
Net (increase) decrease in other assets and liabilities	249.2B CLP	-287.1B CLP	-53.4B CLP
Increase (decrease) in deposits and other demand deposits	237.0B CLP	942.6B CLP	-59.9B CLP
(Decrease) increase in repurchase agreements	179.7B CLP	-55.2B CLP	-60.0B CLP
(Decrease) increase in deposits and other term deposits	-183.0B CLP	-1.2T CLP	1.3T CLP
Sale of assets received in lieu of payment	27.3B CLP	19.6B CLP	14.2B CLP
Total net cash from operating activities	826.1B CLP	3.7T CLP	1.7T CLP
Net decrease (increase) in debt financial instruments at FVTOCI	-1.5T CLP	1.6T CLP	257.6B CLP
Net decrease (increase) in debt financial instruments at amortized cost	380.1B CLP	506.3B CLP	-493.6B CLP
Payment of principal and interest for obligations under lease contracts	-30.9B CLP	-30.0B CLP	-32.1B CLP
Leasehold improvements	-765.0M CLP	-872.0M CLP	-2.0B CLP
Property and equipment purchase	-17.9B CLP	-16.4B CLP	-24.8B CLP
Property and equipment sale	9.1B CLP	1.3B CLP	3.6B CLP
Acquisition of intangibles	-58.6B CLP	-57.6B CLP	-60.0B CLP
Sale of investments in companies		11.8B CLP
Dividend received of investments in companies	3.4B CLP	3.0B CLP	4.7B CLP
Total net cash (used in) from investing activities	-1.2T CLP	2.0T CLP	-346.5B CLP
Redemption and payment of interest on mortgage finance bonds of credit	-350.0M CLP	-639.0M CLP	-1.0B CLP
Redemption and payment of interest on senior bonds	-2.0T CLP	-1.4T CLP	-1.8T CLP
Redemption and payment of interest on subordinated bonds	-52.9B CLP	-50.6B CLP	-52.2B CLP
Issuance of senior bonds	2.7T CLP	1.0T CLP	1.2T CLP
Payment of ordinary share dividends	-995.4B CLP	-815.9B CLP	-866.9B CLP
Increase (decrease) in obligations with foreign banks	318.7B CLP	91.4B CLP	-42.5B CLP
Increase (decrease) in other financial obligations	88.5B CLP	-54.8B CLP	-4.6B CLP
Payment of obligations to the Central Bank of Chile		-4.3T CLP
Payment of other long-term borrowings		-17.0M CLP	-58.0M CLP
Dividends payment and/or withdrawals of paid-in capital related to of the subsidiaries corresponding to the non-controlling interest			-1.0M CLP
Total net cash from (used in) financing activities	110.8B CLP	-5.6T CLP	-1.6T CLP
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS FOR THE YEAR	-252.3B CLP	108.8B CLP	-176.7B CLP
Effect of exchange rate fluctuations on cash and cash equivalents	-78.1B CLP	164.7B CLP	15.6B CLP
Interest and indexation received	3.5T CLP	3.6T CLP	3.5T CLP
Interest and indexation paid	-1.4T CLP	-1.6T CLP	-1.4T CLP

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How it started

History

Founded on 28 October 1893 by the merger of the Valparaíso Bank (1855), National Bank of Chile (1865) and Agriculturist Bank (1869). Banco de Chile has traditionally led the Chilean financial market as one of the largest banks in terms of turnover and deposits.

In 2001, the Chile conglomerate Quiñenco group bought 59.3% share of the company through the subsidiary company LQIF and took control of the bank.

In 2008, Citigroup agreed with Quiñenco to take a 32.96% stake in LQIF and merged Citigroup Chile operations with Banco de Chile.

In April 2010, Citigroup exercised its two outstanding options and increased its share in LQIF to 50%.

On December 9, 2004, Banco de Chile became the first Chilean financial institution to operate in the Asian markets, after closing a co-operation agreement with Standard Chartered Bank.

From Wikipedia’s article on Banco de Chile, shared under CC BY-SA 4.0.³

Subsidiaries and ownership

Owners

Quiñenco

Also owns

LATAM Airlines Group 58%

From Wikidata.¹

Timeline

Oct 1893Founded Founded¹

Recent filings

Sep 4, 20266-K CURRENT REPORT
Sep 3, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Aug 27, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Aug 27, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Aug 21, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Jul 31, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Jul 31, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Jul 22, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Jul 21, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Jul 20, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Jul 8, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Jul 7, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Jul 6, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Jul 2, 20266-K REPORT OF FOREIGN PRIVATE ISSUER
Jul 1, 20266-K REPORT OF FOREIGN PRIVATE ISSUER

Every filing from the last three years, summarized. The full record is on SEC EDGAR.²

Sources

The numbers on this page point here. Each one links to the record it came from.

1
WikidataBanco de Chile on Wikidata
2
SEC EDGARBanco de Chile filings on SEC EDGAR
3
WikipediaBanco de Chile on Wikipedia
4
Wikimedia CommonsBanco de Chile logo by Banco de Chile, Public domain
5
SEC EDGARBanco de Chile filings on SEC EDGAR
6
Wikimedia CommonsBanco de Chile photo by Carlos Figueroa Rojas, CC BY-SA 4.0
7
SEC EDGARBanco de Chile 10-K for fiscal 2018
8
SEC EDGARBanco de Chile 10-K for fiscal 2020
9
SEC EDGARBanco de Chile 10-K for fiscal 2021
10
SEC EDGARBanco de Chile 10-K for fiscal 2021
11
SEC EDGARBanco de Chile 20-F filed 2026-04-30: income statement