Banco de Chile (BCH) Balance Sheet

NYSE: BCHAssets, liabilities, debt and equity over 10 years.

BCH balance sheet, 2025

December 31, 2025 · CLP

CLP 54.10T assets = CLP 47.42T liabilities + CLP 6.69T equity

What it ownsCLP 54.10TCash & ST investments: CLP 6.48T (12.0%)Cash & ST investmentsCLP 6.48T · 12%Receivables: CLP 170.19B (0.3%)Other current: CLP 514.52B (1.0%)PP&E: CLP 392.94B (0.7%)Goodwill & intangibles: CLP 207.99B (0.4%)LT investments: CLP 7.32T (13.5%)LT investmentsCLP 7.32T · 14%Other non-current: CLP 39.02T (72.1%)Other non-currentCLP 39.02T · 72%=How it is financedCLP 54.10TCurrent liabilities: CLP 30.17T (55.8%)Current liabilitiesCLP 30.17T · 56%Long-term debt: CLP 10.35T (19.1%)Long-term debtCLP 10.35T · 19%Other LT liabilities: CLP 6.90T (12.8%)Other LT liabilitiesCLP 6.90T · 13%Shareholders’ equity: CLP 6.69T (12.4%)Shareholders’ equityCLP 6.69T · 12%

Both columns are drawn to the same scale: what BCH owns equals what it owes plus shareholders’ equity. Hover a block for its value.

BCH financial health

Debt / equity2.03
High leverage · CLP 2.03 of debt for each $1 of equity
Cash / debt47.8%
Low cash cover · cash & short-term investments vs total debt
Goodwill & intangibles0.4%
Mostly tangible · of total assets

Descriptive bands, not a rating. Fiscal 2025.

BCH balance sheet trends, 2016–2025

MetricTrendThenLatestChange
Total assetsCLP 31.56T2016CLP 54.10T2025+6.2%/yr
Total liabilitiesCLP 28.67T2016CLP 47.42T2025+5.7%/yr
Shareholders’ equityCLP 2.89T2016CLP 6.69T2025+9.8%/yr
Cash & short-term investmentsCLP 2.33T2016CLP 6.48T2025+12.0%/yr
Total debtCLP 7.40T2016CLP 13.55T2025+6.9%/yr
Net cash (debt)−CLP 5.07T2016−CLP 7.07T2025CLP 2.0T
Working capitalCLP 2.27T2016−CLP 23.00T2025CLP 25.3T
Debt / equity2.5620162.032025−0.54
Shares outstanding505.1M2016505.2M2025+0.0%/yr

Change is the average annual growth (CAGR) or the difference between the first and latest year.

BCH assets

Cash & ST investmentsReceivablesInventoryOther currentPP&EGoodwill & intangiblesLT investmentsOther non-current

BCH liabilities and equity

Current liabilitiesLong-term debtOther long-term liabilitiesEquity

BCH debt vs cash

Total debtCash & ST investmentsNet cash (debt)

Debt includes short- and long-term borrowings and, where reported, lease obligations.

BCH balance sheet in CLP

2025202420232022202120202019201820172016
Assets
Cash & short-term investmentsCLP 6.48TCLP 5.14T−CLP 1.93TCLP 7.50TCLP 7.64TCLP 4.44TCLP 4.81TCLP 2.56TCLP 3.01TCLP 2.33T
Cash & equivalentsCLP 3.01TCLP 3.07T−CLP 1.93TCLP 3.54TCLP 4.58TCLP 3.38TCLP 3.45TCLP 1.51TCLP 1.49TCLP 1.96T
Short-term investmentsCLP 3.47TCLP 2.07TCLP 3.80TCLP 3.97TCLP 3.05TCLP 1.06TCLP 1.36TCLP 1.05TCLP 1.53TCLP 367.99B
ReceivablesCLP 170.19BCLP 2.90TCLP 99.42BCLP 516.63BCLP 123.31BCLP 120.49BCLP 106.37BCLP 86.59BCLP 152.41BCLP 85.52B
InventoryCLP 0CLP 0−CLP 4.84T−CLP 10.90T−CLP 11.32T−CLP 10.61T−CLP 7.87T−CLP 4.94T−CLP 4.90TCLP 12.04B
Other current assetsCLP 514.52BCLP 53.65BCLP 16.19TCLP 10.90TCLP 11.32TCLP 10.61TCLP 7.87TCLP 4.98TCLP 4.92TCLP 0
Total current assetsCLP 7.16TCLP 8.09TCLP 9.52TCLP 8.02TCLP 7.76TCLP 4.56TCLP 4.92TCLP 2.68TCLP 3.18TCLP 2.42T
Property, plant & equipment (net)CLP 392.94BCLP 448.55BCLP 310.55BCLP 399.97BCLP 416.97BCLP 422.38BCLP 510.32BCLP 317.72BCLP 344.24BCLP 322.16B
Goodwill & intangible assetsCLP 207.99BCLP 191.97BCLP 153.92BCLP 123.33BCLP 89.25BCLP 77.42BCLP 75.02BCLP 85.47BCLP 72.45BCLP 46.05B
Long-term investmentsCLP 7.32TCLP 5.24TCLP 9.07TCLP 8.62TCLP 7.84TCLP 5.86TCLP 3.29TCLP 2.84TCLP 3.18TCLP 1.81T
Other non-current assetsCLP 39.02TCLP 38.09TCLP 36.79TCLP 38.09TCLP 35.59TCLP 35.18TCLP 32.48TCLP 29.67TCLP 25.79TCLP 26.96T
Total assetsCLP 54.10TCLP 52.06TCLP 55.84TCLP 55.26TCLP 51.70TCLP 46.10TCLP 41.27TCLP 35.60TCLP 32.56TCLP 31.56T
Liabilities
Accounts payableCLP 429.86BCLP 420.26BCLP 356.87BCLP 384.62BCLP 220.42BCLP 273.14BCLP 231.47BCLP 176.83BCLP 190.15BCLP 142.54B
Short-term debtCLP 310.48BCLP 136.67BCLP 7.05TCLP 3.10TCLP 3.21TCLP 2.41TCLP 3.10TCLP 303.82BCLP 195.39BCLP 216.82B
Deferred revenue——CLP 43.88BCLP 59.26BCLP 70.54BCLP 68.91BCLP 125.42BCLP 5.74B−CLP 2.32T−CLP 2.04T
Total current liabilitiesCLP 30.17TCLP 29.53TCLP 24.10TCLP 384.62BCLP 220.42BCLP 273.14BCLP 231.47BCLP 20.72TCLP 19.37TCLP 142.54B
Long-term debtCLP 10.35TCLP 9.69TCLP 13.52TCLP 13.11TCLP 11.45TCLP 10.45TCLP 7.86TCLP 6.32TCLP 5.50TCLP 7.40T
Lease obligationsCLP 74.34BCLP 91.43BCLP 101.48BCLP 89.37BCLP 95.67BCLP 115.02BCLP 146.01BCLP 0CLP 0CLP 0
Other long-term liabilitiesCLP 6.90TCLP 6.33TCLP 12.99TCLP 0CLP 0CLP 0CLP 2.79TCLP 4.89TCLP 4.14TCLP 0
Total liabilitiesCLP 47.42TCLP 45.55TCLP 50.61TCLP 50.40TCLP 47.48TCLP 42.37TCLP 37.75TCLP 31.93TCLP 29.02TCLP 28.67T
Shareholders' equity
Common stock & paid-in capitalCLP 2.42TCLP 2.42TCLP 2.42TCLP 2.42TCLP 2.42TCLP 2.42TCLP 2.42TCLP 2.42TCLP 2.27TCLP 2.14T
Retained earnings (deficit)CLP 3.25TCLP 3.11TCLP 2.69TCLP 1.80TCLP 1.12TCLP 655.48BCLP 462.72BCLP 601.64BCLP 637.07BCLP 283.08B
Treasury stock——————CLP 0CLP 0CLP 0CLP 0
Accumulated other comprehensive incomeCLP 1.01TCLP 980.51BCLP 122.03BCLP 639.94BCLP 679.68BCLP 651.96BCLP 646.67B−CLP 1.77T−CLP 1.63TCLP 466.29B
Minority interestCLP 1.0MCLP 2.0M—CLP 2.0M——CLP 0CLP 0CLP 0CLP 0
Total shareholders' equityCLP 6.69TCLP 6.50TCLP 5.24TCLP 4.86TCLP 4.22TCLP 3.73TCLP 3.53TCLP 3.67TCLP 3.55TCLP 2.89T
Key figures
Total debtCLP 13.55TCLP 12.06TCLP 16.36TCLP 16.21TCLP 14.66TCLP 12.86TCLP 10.96TCLP 9.30TCLP 7.88TCLP 7.40T
Net cash (debt)−CLP 7.07T−CLP 6.93T−CLP 18.29T−CLP 8.71T−CLP 7.02T−CLP 8.42T−CLP 6.15T−CLP 6.74T−CLP 4.87T−CLP 5.07T
Working capital−CLP 23.00T−CLP 21.44T−CLP 14.58TCLP 7.64TCLP 7.54TCLP 4.28TCLP 4.69T−CLP 18.04T−CLP 16.19TCLP 2.27T
Tangible book valueCLP 6.48TCLP 6.31TCLP 5.08TCLP 4.73TCLP 4.13TCLP 3.65TCLP 3.45TCLP 3.59TCLP 3.47TCLP 2.84T
Shares outstanding505.2M505.1M505.1M505.1M505.1M505.1M505.1M505.1M505.1M505.1M
Current ratio0.240.270.3920.8535.2116.6821.240.130.1616.95
Quick ratio0.220.27−0.0820.8535.2116.6821.240.130.1616.95
Debt / equity2.031.853.123.343.473.453.112.532.222.56
Equity / assets12.4%12.5%9.4%8.8%8.2%8.1%8.5%10.3%10.9%9.1%

Quarterly columns are labeled by the month the quarter ended. Figures in CLP as reported (latest annual report filed April 30, 2026); data from EODHD.

BCH financial position

At the end of fiscal 2025 (December 31, 2025), Banco de Chile had total assets of CLP 54.10 trillion (up 3.9% from a year earlier), total liabilities of CLP 47.42 trillion and shareholders' equity of CLP 6.69 trillion. It held CLP 6.48 trillion in cash and short-term investments against CLP 13.55 trillion of debt, net debt of CLP 7.07 trillion. Its current ratio was 0.24. In the latest quarter (ended June 30, 2026) total assets were CLP 55.16 trillion and equity CLP 5.71 trillion.

Related: BCH income statement, BCH cash flow statement, BCH key metrics. See the BCH stock overview for the latest quote and news.

BCH balance sheet FAQ

What are Banco de Chile's total assets?

Banco de Chile reported total assets of CLP 54.10 trillion at the end of fiscal 2025 (December 31, 2025), compared with CLP 52.06 trillion a year earlier.

How much debt does Banco de Chile have?

Banco de Chile had CLP 13.55 trillion of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 2.03.

How much cash does Banco de Chile have?

Banco de Chile held CLP 6.48 trillion in cash and short-term investments at the end of fiscal 2025; with CLP 13.55 trillion of debt that is net debt of CLP 7.07 trillion.

What is Banco de Chile's book value?

Banco de Chile's shareholders' equity (book value) was CLP 6.69 trillion at the end of fiscal 2025.

What is Banco de Chile's current ratio?

Banco de Chile had current assets of CLP 7.16 trillion and current liabilities of CLP 30.17 trillion, a current ratio of 0.24 (current liabilities exceed current assets).

How much goodwill does Banco de Chile have?

Banco de Chile carried CLP 208.0 billion of goodwill and intangible assets, 0.4% of total assets, at the end of fiscal 2025.

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