BANK OF CHILE's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), BANK OF CHILE reported net income of $1.2T (-5.1% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest and Inflation indexation revenue | $3.4T | $3.8T | $4.0T | $4.5T |
| Interest and Inflation indexation expense | ($1.3T) | ($1.6T) | ($2.1T) | ($2.2T) |
| Net interest and Inflation indexation income | $2.1T | $2.2T | $1.9T | $2.3T |
| Fee and commission income | $774.2B | $717.3B | $700.1B | $667.8B |
| Fee and commission expense | ($153.5B) | ($161.0B) | ($166.0B) | ($145.7B) |
| Net fee and commission income | $620.7B | $556.3B | $534.0B | $522.1B |
| Net financial result | $272.3B | $280.5B | $469.6B | $306.8B |
| Income from investments in other companies | $12.0B | $16.7B | $13.4B | $13.0B |
| Income (expense) from non-current assets and disposal groups held for sale not admissible as discontinued operations | $6.0B | ($458.0M) | $2.8B | $4.8B |
| Other operating income | $48.5B | $51.8B | $76.0B | $29.7B |
| TOTAL OPERATING INCOME, BEFORE EXPECTED CREDIT LOSSES | $3.0T | $3.1T | $3.0T | $3.1T |
| Expected credit losses | ($394.9B) | ($352.7B) | ($201.9B) | ($412.1B) |
| TOTAL OPERATING INCOME, NET OF EXPECTED CREDIT LOSSES | $2.6T | $2.7T | $2.8T | $2.7T |
| Personnel expenses | ($570.4B) | ($582.5B) | ($582.7B) | ($528.2B) |
| Administrative expenses | ($429.6B) | ($416.7B) | ($408.8B) | ($355.3B) |
| Depreciation and amortization | ($95.1B) | ($94.6B) | ($92.3B) | ($84.2B) |
| Impairment of non-financial assets | ($1.9B) | ($2.9B) | ($1.8B) | ($77.0M) |
| Other operating expenses | ($34.0B) | ($36.0B) | ($32.9B) | ($27.7B) |
| TOTAL OPERATING EXPENSES | ($1.1T) | ($1.1T) | ($1.1T) | ($995.5B) |
| NET OPERATING INCOME, BEFORE INCOME TAX | $1.5T | $1.6T | $1.7T | $1.7T |
| Income tax | ($318.4B) | ($333.6B) | ($322.1B) | ($289.2B) |
| NET INCOME FOR THE YEAR | $1.2T | $1.2T | $1.4T | $1.4T |
| Bank’s Shareholders | $1.2T | $1.2T | $1.4T | $1.4T |
| Basic earnings (in Pesos per share) | $11.73 | $12.36 | $13.60 | $14.31 |
| Diluted earnings (in Pesos per share) | $11.73 | $12.36 | $13.60 | $14.31 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and deposits in banks | $2.6T | $2.7T | $2.5T | $2.8T |
| Transactions in the course of collection | $414.4B | $372.5B | $415.5B | $772.2B |
| Derivative financial instruments | $1.9T | $2.3T | $2.0T | $3.0T |
| Debt financial instruments | $3.1T | $1.7T | $3.4T | $3.4T |
| Others | $402.3B | $411.7B | $409.3B | $257.3B |
| Debt financial instruments | $3.5T | $2.1T | $3.8T | $4.0T |
| Equity instruments | $11.2B | $9.5B | $11.9B | $6.5B |
| Derivative financial instruments for hedging purposes | $29.7B | $74.0B | $49.1B | $27.1B |
| Rights by resale agreements | $100.6B | $87.3B | $71.8B | $54.1B |
| Debt financial instruments | $460.9B | $944.1B | $1.4T | $902.4B |
| Loans to Banks | $398.0B | $665.7B | $2.5T | $2.2T |
| Commercial loans | $19.3T | $19.9T | $19.8T | $20.0T |
| Residential mortgage loans | $13.9T | $13.2T | $12.3T | $11.4T |
| Consumer loans | $5.3T | $5.2T | $4.9T | $4.5T |
| Investments in other companies | $75.8B | $67.3B | $65.1B | $56.2B |
| Intangible assets | $208.0B | $192.0B | $170.6B | $140.0B |
| Property and equipment | $179.4B | $189.1B | $201.7B | $210.1B |
| Right-of-use assets | $79.2B | $96.9B | $108.9B | $94.9B |
| Current tax assets | $1.8B | $159.9B | $141.2B | $187.4B |
| Deferred tax assets | $331.8B | $322.2B | $320.4B | $368.2B |
| Other assets | $1.7T | $1.4T | $1.2T | $814.1B |
| Non-current assets and disposal groups held for sale | $40.6B | $42.0B | $25.5B | $13.8B |
| TOTAL ASSETS | $54.1T | $52.1T | $55.7T | $55.1T |
| Transactions in the course of payments | $564.2B | $283.6B | $356.9B | $681.8B |
| Derivative financial instruments | $2.1T | $2.4T | $2.2T | $3.1T |
| Others | $512.0M | $990.0M | $2.3B | $6.3B |
| Derivative financial instruments for hedging purposes | $297.8B | $141.0B | $160.6B | $223.0B |
| Current accounts and other demand deposits | $14.8T | $14.6T | $13.7T | $13.6T |
| Time deposits and saving accounts | $14.2T | $14.3T | $15.5T | $14.4T |
| Obligations by repurchase agreements | $286.9B | $109.8B | $157.2B | $216.3B |
| Borrowings from financial institutions | $1.3T | $1.1T | $5.4T | $5.4T |
| Debt financial instruments issued | $10.8T | $9.7T | $9.4T | $9.3T |
| Other financial obligations | $367.3B | $284.5B | $339.3B | $344.0B |
| Lease liabilities | $74.3B | $91.4B | $101.5B | $89.4B |
| Regulatory capital financial instruments | $1.1T | $1.1T | $1.0T | $1.0T |
| Provision for dividends | $357.7B | $362.2B | $373.1B | $422.8B |
| Provisions for contingent loan credit risk | $85.7B | $87.5B | $89.6B | $143.5B |
| Other provisions | $40.4B | $43.1B | $38.0B | $36.7B |
| Current tax liabilities | $33.8B | $132.0M | — | — |
| Deferred tax liabilities | $1.4B | $166.0M | $808.0M | $932.0M |
| Employee benefits | $140.2B | $151.6B | $154.1B | $139.3B |
| Other liabilities | $948.1B | $711.4B | $697.0B | $644.3B |
| TOTAL LIABILITIES | $47.4T | $45.6T | $49.6T | $49.7T |
| Capital | $2.4T | $2.4T | $2.4T | $2.4T |
| Reserves | $1.4T | $1.3T | $1.2T | $1.2T |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net operating income, before income tax | $1.5T | $1.6T | $1.7T | $1.7T |
| Income tax | ($318.4B) | ($333.6B) | ($322.1B) | ($289.2B) |
| Net income for the year | $1.2T | $1.2T | $1.4T | $1.4T |
| Depreciation and amortization | $95.1B | $94.6B | $92.3B | $84.2B |
| Impairment of non-financial assets | $1.9B | $2.9B | $1.8B | $77.0M |
| Allowances established for credit risk | $462.1B | $421.2B | $321.8B | $418.4B |
| Provisions for contingent loans | ($290.0M) | ($4.2B) | ($53.9B) | $51.4B |
| Impairments for credit risk from financial assets at FVTOCI | $4.4B | $1.0B | ($2.8B) | $8.0B |
| Fair value of debt financial instruments held for trading at FVTPL | ($5.2B) | ($1.7B) | $2.3B | ($5.7B) |
| Change in deferred tax assets and liabilities | ($9.7B) | ($1.5B) | $44.5B | ($91.0B) |
| Net gain from investments in associates and joint ventures | ($12.0B) | ($8.7B) | ($13.4B) | ($13.0B) |
| Net gain on sale of assets received in payments | ($2.2B) | ($2.4B) | ($1.4B) | ($4.1B) |
| Net gain on sale of sale of property and equipment | ($6.7B) | ($938.0M) | ($3.0B) | ($1.0B) |
| Write-off of assets received in lieu of payment or foreclosed at judicial auction | $225.0M | $1.2B | $485.0M | $38.0M |
| Net change in exchange rates, interest, indexation and fees accrued on assets and liabilities | $478.8B | $553.4B | — | — |
| Other debits (credits) that do not represent movements in cash flows | $25.1B | ($6.5B) | ($60.2B) | $5.6B |
| Net decrease (increase) in loans to banks | $263.6B | $1.9T | ($340.4B) | ($640.7B) |
| Net (increase) in loans to customers | ($767.8B) | ($1.5T) | ($913.8B) | ($1.2T) |
| Net decrease (increase) in debt financial instruments held for trading at FVTPL | ($1.4T) | $1.6T | ($55.3B) | $432.8B |
| Net (increase) decrease in other assets and liabilities | $249.2B | ($287.1B) | ($53.4B) | $134.7B |
| Increase (decrease) in deposits and other demand deposits | $237.0B | $942.6B | ($59.9B) | ($5.0T) |
| (Decrease) increase in repurchase agreements | $179.7B | ($55.2B) | ($60.0B) | $144.0B |
| (Decrease) increase in deposits and other term deposits | ($183.0B) | ($1.2T) | $1.3T | $5.0T |
| Sale of assets received in lieu of payment | $27.3B | $19.6B | $14.2B | $18.8B |
| Total net cash from operating activities | $826.1B | $3.7T | $1.7T | $128.6B |
| Net decrease (increase) in debt financial instruments at FVTOCI | ($1.5T) | $1.6T | $257.6B | ($748.5B) |
| Net decrease (increase) in debt financial instruments at amortized cost | $380.1B | $506.3B | ($493.6B) | $6.3B |
| Payment of principal and interest for obligations under lease contracts | ($30.9B) | ($30.0B) | ($32.1B) | ($32.4B) |
| Leasehold improvements | ($765.0M) | ($872.0M) | ($2.0B) | ($2.5B) |
| Property and equipment purchase | ($17.9B) | ($16.4B) | ($24.8B) | ($18.7B) |
| Property and equipment sale | $9.1B | $1.3B | $3.6B | $1.3B |
| Acquisition of intangibles | ($58.6B) | ($57.6B) | ($60.0B) | ($56.9B) |
| Dividend received of investments in companies | $3.4B | $3.0B | $4.7B | $3.6B |
| Total net cash (used in) from investing activities | ($1.2T) | $2.0T | ($346.5B) | ($847.8B) |
| Redemption and payment of interest on mortgage finance bonds of credit | ($350.0M) | ($639.0M) | ($1.0B) | ($2.1B) |
| Redemption and payment of interest on senior bonds | ($2.0T) | ($1.4T) | ($1.8T) | ($1.5T) |
| Redemption and payment of interest on subordinated bonds | ($52.9B) | ($50.6B) | ($52.2B) | ($58.0B) |
| Issuance of senior bonds | $2.7T | $1.0T | $1.2T | $1.4T |
| Payment of ordinary share dividends | ($995.4B) | ($815.9B) | ($866.9B) | ($539.8B) |
| Increase (decrease) in obligations with foreign banks | $318.7B | $91.4B | ($42.5B) | $527.0B |
| Increase (decrease) in other financial obligations | $88.5B | — | ($4.6B) | $94.1B |
| Total net cash from (used in) financing activities | $110.8B | ($5.6T) | ($1.6T) | ($161.8B) |
| INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS FOR THE YEAR | ($252.3B) | $108.8B | ($176.7B) | ($881.0B) |
| Effect of exchange rate fluctuations on cash and cash equivalents | ($78.1B) | $164.7B | $15.6B | $38.0B |
| Cash and cash equivalents at the beginning of the year | $3.3T | $3.0T | $3.2T | $4.0T |
BANK OF CHILE score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.