Banco de Chile (BCH) Income Statement

NYSE: BCHRevenue, profits, margins and EPS over 10 years.

BCH 2025 at a glance

Fiscal year ended December 31, 2025 · CLP
Revenue−34.9%
CLP 3.03T
2025 · hover or tap a bar for each year
2016: CLP 2.40T (+2.8%)2017: CLP 2.33T (−2.9%)2018: CLP 2.50T (+7.2%)2019: CLP 2.73T (+9.3%)2020: CLP 2.49T (−9.0%)2021: CLP 3.03T (+21.8%)2022: CLP 5.31T (+75.4%)2023: CLP 5.09T (−4.1%)2024: CLP 4.65T (−8.8%)2025: CLP 3.03T (−34.9%)
20162025
Gross profit−1.6%
CLP 2.64T
2025 · hover or tap a bar for each year
2016: CLP 1.45T (+3.0%)2017: CLP 1.46T (+0.5%)2018: CLP 1.57T (+7.6%)2019: CLP 1.66T (+5.5%)2020: CLP 1.38T (−17.1%)2021: CLP 2.20T (+59.7%)2022: CLP 2.71T (+23.2%)2023: CLP 2.77T (+2.1%)2024: CLP 2.69T (−2.8%)2025: CLP 2.64T (−1.6%)
20162025
Operating income−4.4%
CLP 1.51T
2025 · hover or tap a bar for each year
2016: CLP 675.26B (−2.5%)2017: CLP 687.44B (+1.8%)2018: CLP 763.40B (+11.0%)2019: CLP 777.41B (+1.8%)2020: CLP 504.85B (−35.1%)2021: CLP 1.33T (+163.9%)2022: CLP 1.74T (+30.2%)2023: CLP 1.70T (−2.2%)2024: CLP 1.58T (−6.7%)2025: CLP 1.51T (−4.4%)
20162025
Net income−4.5%
CLP 1.19T
2025 · hover or tap a bar for each year
2016: CLP 575.05B (−5.7%)2017: CLP 572.08B (−0.5%)2018: CLP 603.63B (+5.5%)2019: CLP 603.74B (+0.0%)2020: CLP 401.63B (−33.5%)2021: CLP 1.06T (+163.0%)2022: CLP 1.45T (+36.9%)2023: CLP 1.37T (−5.0%)2024: CLP 1.25T (−9.1%)2025: CLP 1.19T (−4.5%)
20162025
Net profit margin+12.5 pts
39.4%
2025 · hover or tap a point for each year
2016: 23.9% (−2.2 pts)2017: 24.5% (+0.6 pts)2018: 24.1% (−0.4 pts)2019: 22.1% (−2.0 pts)2020: 16.1% (−5.9 pts)2021: 34.9% (+18.7 pts)2022: 27.2% (−7.7 pts)2023: 27.0% (−0.2 pts)2024: 26.9% (−0.1 pts)2025: 39.4% (+12.5 pts)
20162025

BCH revenue and net income

RevenueNet incomeNet margin (right axis)

Where BCH's revenue goes

2025
Revenue
CLP 3.03T100.0%
Cost of revenue
−CLP 381.92B−12.6%
Gross profit
CLP 2.64T87.4%
Sales, general & admin
−CLP 1.13T−37.4%
Operating income
CLP 1.51T50.0%
Income taxes
−CLP 320.12B−10.6%
Net income
CLP 1.19T39.4%

Each bar shows an amount and its share of revenue. BCH kept 39.4% of revenue as net income.

BCH profit margins

GrossOperatingNet

BCH growth rates

to 2025
1 year3 years5 years10 years
Revenue−34.9%−17.1%+4.0%+2.6%
Gross profit−1.6%−0.8%+14.0%+6.5%
Operating income−4.4%−4.5%+24.5%+8.1%
Net income−4.5%−6.2%+24.3%+6.9%

1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.

BCH income statement in CLP

2025202420232022202120202019201820172016
RevenueCLP 3.03TCLP 4.65TCLP 5.09TCLP 5.31TCLP 3.03TCLP 2.49TCLP 2.73TCLP 2.50TCLP 2.33TCLP 2.40T
Cost of revenueCLP 381.92BCLP 1.96TCLP 2.33TCLP 2.60TCLP 832.62BCLP 1.11TCLP 1.07TCLP 929.41BCLP 873.26BCLP 949.52B
Gross profitCLP 2.64TCLP 2.69TCLP 2.77TCLP 2.71TCLP 2.20TCLP 1.38TCLP 1.66TCLP 1.57TCLP 1.46TCLP 1.45T
Research & development——————CLP 0CLP 0CLP 0CLP 0
Sales, general & adminCLP 1.13TCLP 1.15TCLP 1.12TCLP 992.24BCLP 693.62BCLP 746.16BCLP 769.53BCLP 740.59BCLP 716.70BCLP 711.99B
Total operating expensesCLP 1.13TCLP 1.11TCLP 1.07TCLP 972.17BCLP 864.42BCLP 870.51BCLP 881.63BCLP 808.70BCLP 773.58BCLP 778.30B
Operating incomeCLP 1.51TCLP 1.58TCLP 1.70TCLP 1.74TCLP 1.33TCLP 504.85BCLP 777.41BCLP 763.40BCLP 687.44BCLP 675.26B
Interest incomeCLP 3.41TCLP 3.77TCLP 5.21TCLP 2.32TCLP 2.38TCLP 1.87TCLP 2.11TCLP 2.00TCLP 1.89TCLP 1.92T
Interest expenseCLP 969.64BCLP 1.61TCLP 2.12TCLP 2.20TCLP 814.45BCLP 560.01BCLP 742.27BCLP 679.64BCLP 652.00BCLP 690.26B
Income before taxesCLP 1.51TCLP 1.58TCLP 1.70TCLP 1.74TCLP 1.33TCLP 504.85BCLP 777.41BCLP 763.40BCLP 687.44BCLP 675.26B
Income taxesCLP 320.12BCLP 333.60BCLP 322.11BCLP 289.21BCLP 275.97BCLP 103.22BCLP 173.66BCLP 159.77BCLP 115.36BCLP 100.21B
Net incomeCLP 1.19TCLP 1.25TCLP 1.37TCLP 1.45TCLP 1.06TCLP 401.63BCLP 603.74BCLP 603.63BCLP 572.08BCLP 575.05B
EBITDACLP 1.61TCLP 1.68TCLP 1.79TCLP 1.82TCLP 1.41TCLP 578.21BCLP 847.95BCLP 801.08BCLP 724.98BCLP 710.84B
Gross margin87.4%57.8%54.3%51.0%72.5%55.3%60.7%62.8%62.6%60.5%
Operating margin50.0%34.0%33.3%32.7%44.0%20.3%28.4%30.5%29.4%28.1%
Net margin39.4%26.9%27.0%27.2%34.9%16.1%22.1%24.1%24.5%23.9%

Quarterly columns are labeled by the month the quarter ended. Figures in CLP as reported in BCH's financial statements (latest annual report filed April 30, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.

BCH financial results

In fiscal year 2025 (ended December 31, 2025), Banco de Chile reported revenue of CLP 3.03 trillion, down 34.9% from the year before. It had net income of CLP 1.19 trillion (down 4.5%), a net profit margin of 39.4%. Over five years revenue grew at an average rate of 4.0% a year. Figures are in CLP, the currency of its financial statements.

See the BCH stock overview for the latest quote and news, or the BCH chart for price history and technical indicators.

BCH income statement FAQ

What is Banco de Chile's annual revenue?

Banco de Chile reported total revenue of CLP 3.03 trillion for fiscal year 2025, which ended on December 31, 2025. That was down 34.9% from CLP 4.65 trillion the previous year.

Is Banco de Chile profitable?

Yes. Banco de Chile reported net income of CLP 1.19 trillion in fiscal 2025, a net profit margin of 39.4%; its operating margin was 50.0%.

What is Banco de Chile's gross margin?

Banco de Chile's gross margin was 87.4% in fiscal 2025: for every $100 of revenue, Banco de Chile kept $87 after the direct cost of its products and services.

How fast is Banco de Chile growing?

Revenue grew 4.0% a year on average over the last five fiscal years, from CLP 2.49 trillion to CLP 3.03 trillion.

When will Banco de Chile report its next earnings?

Banco de Chile is expected to report results for the quarter ending September 30, 2026 on October 30, 2026 before the market opens.

When does Banco de Chile's fiscal year end?

Banco de Chile's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on April 30, 2026.

Banks - Regional income statements