Inferra AI / Company / BCH

Banco de Chile

BCH · Financials

Last earnings Oct 30, 2026

Key results

Operating revenuequarter

2.2%

+2.2% Operating Revenues 735,683 757,587 3Q25 3Q26 YoY Var.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

Revenuequarter

$934,640 million

Accordingly, operating revenues boosted Ch$934,640 million or 7.8% YoY compared to the eight-month period ended August 31, 2025, due to higher income from inflation-indexation and also net interest income on the net interest margin generated by the industry, together with increased net fee when compared to a year earlier.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

Net incomequarter

$19,885 million

net income was mainly due to: A YoY increase of Ch$19,885 million or 7.2% in operating expenses, due to higher personnel expenses that stemmed from the recognition of both the effect of cummulative inflation on salaries and part of the non-recurrent bonus associated with the collective bargaining process completed in t

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

AI analysis

Q3 2026 · reported Oct 30, 2026

Based on: Earnings release (6-K exhibit) + parent 6-K — transcript not held

Revenue · Q3 2026

$934,640M

EX-99 · Oct 30, 2026

Net income · Q3 2026

$19,885M

EX-99 · Oct 30, 2026

Headline figures

Metric	Q3 2026	Prior qtr	Year ago
Operating revenue	2.2%	4.0%	—
Revenue	$934,640 million	—	—
Net income	$19,885 million	—	—

EX-99 · Oct 30, 2026

Guidance · company-stated

No guidance located in the held release

Stated figure7%

“7% real contraction) compared to a year earlier, which seems to be associated with a combination of factors including increased unemployment, lower overall economic activity and deteriorated expectations of individual customers on the economic outlook while being below the ~6% average YoY growth rates seen in the 1H26.”

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

It provides cash management services, which include paying payroll, suppliers, pensions and dividends, collection services, connections to international funds transfer networks, current accounts and deposits, fund management, treasury and investment management, derivative contracts, insurance brokerage, on-site and e- commerce payment solutions, and other tailored services according to customers' needs.

| 21 Treasury Segment Our Treasury segment manages a wide range of financial services available to our customers, including currency intermediation, forward contracts, interest rate swaps, transactions under repurchase agreements and investment products based on bonds and deposits.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Figures included in this report "Financial Management Review", for purposes of analysis, are based on both the financial statements and management information systems of Banco de Chile

Based on: Earnings release (6-K exhibit) + parent 6-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

, such as transaction structuring services for mergers and acquisitions and assistance with debt restructuring.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

• New flow for credit card debt restructuring.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

In terms of long-term debt, the moderate expansion of the lending business –and the residential mortgage loans in particular– the need for this type of funding has remained subdued.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

Actually, on August 31, 2026 the Debt Issued by the industry (including regulatory capital instruments) totalled Ch$73,226,468 million, which was 0.1% below the level recorded a year earlier (a real contraction of 3.7% when adjusted for inflation).

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

Strategy & priorities

Business Strategy...................................

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

A strategic partnership agreement between Qui enco and Citigroup gives control to Qui enco over LQIF and the companies directly and indirectly controlled by LQIF.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

As of September 30, 2026 | 9 Board of Directors, Committees and Managerial Structure Board of Directors Our Board of Directors (Board) is the main corporate governance body and its most important duties include establishing strategic guidelines; approving policies, procedures and mechanisms designed to meet the objectives of the corporate governance system; and appointing a Chief Executive Officer.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

As of September 30, 2026 | 11 Section 3 Business Strategy | 12 Corporate Statements and Commitments In everything we do, we constantly strive to be the best bank for our customers, the best place to work, and the best investment for our shareholders.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

We deploy our business strategy based on appropriate risk management and a culture of operational excellence that allows us to project the sustainable leadership of the corporation.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

Risks & headwinds

You should be aware that any such forward-looking statements are not guarantees of future performance and may involve risks and uncertainties, and that actual results may differ from those set forth in the forward-looking statements as a result of several factors (including, without limitations, the actions of competitors, future global economic conditions, market conditions, foreign exchange rates, and operating and financial risks related to managing growth and integrating acquired businesses), many of which are beyond our control.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

Furthermore, our subsidiaries also have independent management principles and structures that allow them to satisfy the challenges faced in the industries in which they participate.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

10th National Entrepreneurial Challenge Contest: We hosted the Grand Final 2026.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

"Education for Chile": We held the 3rd edition, which promotes education as a shared challenge and highlights impactful initiatives across the country.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

In this scenario, we expect the Central Bank to maintain the monetary policy rate at 4.5% all through this year, although we acknowledge the existence of an unusual level of uncertainty, which could lead the Central Bank to adjust the monetary policy stance if needed.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

What changed vs prior quarter

Operating revenue — prior quarter passage and this quarter's passage are both cited.

SEC original ↗Banco de Chile — Earnings release (6-K exhibit)EX-99Oct 30, 2026

Documents

Earnings deck slides

0 decks with slide view

Banco de Chile — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors