Banco de Chile
(NYSE:BCH)

Banco de Chile, together with its subsidiaries, provides various banking products and services to customers in Chile. The company operates through four segments: Retail, Wholesale, Treasury, and Subsidiaries. It offers checking accounts, consumer loans, commercial loans, credit cards, credit lines, ...

Website: http://www.bancochile.com

Founded: 1893

Sector: Financial Services

Industry: Banks-Regional

Regional Bank Financial Services

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Quarterly

Annual

Unit: USD	2025-10-30	2025-07-31	2025-04-29	2024-10-29	2024-07-30	2024-01-25	2023-10-26	2023-07-27	2023-04-27	2023-01-30	2022-10-27	2022-07-28	2022-04-28	2022-01-27	2021-10-28	2021-07-29	2021-04-29	2021-01-28	2020-10-29	2020-07-29	2020-04-29	2020-01-30	2019-10-24	2019-07-25	2019-04-25	2019-01-30	2018-10-30	2018-08-06	2018-07-30	2018-05-02	2018-04-27	2018-02-01	2018-01-30	2017-11-03	2017-10-30	2017-07-31	2017-05-08	2017-04-28	2017-01-30	2016-12-31	2016-10-28	2016-10-27	2016-08-01	2016-07-29	2016-04-29	2016-02-03	2016-01-29	2015-12-31	2015-10-29	2015-07-30	2015-04-29	2015-02-03	2014-12-31	2014-10-30	2014-10-29	2014-07-30	2014-05-05	2014-04-29	2014-02-06	2014-01-14	2013-12-31	2013-11-08	2013-10-29	2013-08-07	2013-07-30	2013-05-08	2013-04-30	2013-02-05	2013-01-29	2012-12-31	2012-11-07	2012-10-31	2012-08-06	2012-07-30	2012-05-15	2012-04-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-04-29	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-06-30	2004-05-06	2004-04-26	2004-02-18	2004-01-29	2003-12-31	2003-11-06	2003-10-31	2003-08-12	2003-05-08	2003-04-28	2003-02-20	2003-01-30	2002-12-31	2002-09-30

interest revenue	2,033,098	1,345,991	664,976	2,233,807	1,542,552	3,181,624	2,367,843	1,569,740	773,145	2,320,580	1,620,414	990,511	449,518	2,382,993	1,515,435	976,044	487,481	1,873,019	1,355,618	995,051	554,274	2,111,645	1,541,402	1,031,683	430,654	1,999,551	1,474,192		965,831		469,878		1,881,443		1,401,571			456,767	1,911,628			1,446,143		968,438	469,729		1,899,302			873,961	365,618	2,033,846			1,480,538	1,042,883		507,366	1,763,540				1,272,595		781,304		397,542		1,661,467			1,182,658		829,313		434,426	1,495,529									893,007												198,768.2			148,678.7			304,626.1	113,938.5					113,858.2	428,704.1				367,707			139,698.8	689,713.3
interest expense	-734,552	-485,652	-235,414	-893,926	-627,450	-1,634,708	-1,255,198	-833,212	-405,228	-1,040,914	-683,201	-366,450	-143,303	-814,448	-470,917	-301,770	-152,904	-560,007	-392,880	-321,156	-204,577	-742,270	-537,309	-364,583																																																					-624,209									-222,883												-94,200.8			-58,502.4			-124,375.9	-30,694.6
net interest income	1,298,546	860,339	429,562	1,339,881	915,102	1,546,916	1,112,645	736,528	367,917	1,279,666	937,213	624,061	306,215	1,568,545	1,044,518	674,274	334,577	1,313,012	962,738	673,895	349,697	1,369,375	1,004,093	667,100	300,970	1,319,911	980,442		647,530		316,517		1,229,438		910,564			303,540	1,221,369			915,258		606,272	301,171		1,219,133			587,744	263,723	1,245,058			902,859	617,354		301,473	1,059,169	487,212			768,693		487,550		244,460		952,838			684,684		475,063		244,355	871,320
uf indexation revenue	552,569	442,040	249,053	570,342	397,800	832,909	535,453	481,263	227,418	2,115,718	1,683,547	1,083,556	386,218
uf indexation expense	-299,355
net income from uf indexation	253,214	203,578	116,109	245,368	170,074	343,744	216,492	185,635	86,131	955,880	772,300	502,372	187,154
income from commissions	586,936	387,919	192,993	542,357	360,784	711,325	528,206	349,087	170,927	677,335	501,230	326,945	160,709
expense from commissions	-114,163
net income from commissions	472,773	312,524	156,849	427,233	281,496	545,278	405,465	272,980	136,905	531,619	395,179	257,284	130,240
financial income for:
financial assets and liabilities held for trading	120,193	77,807	42,146	139,247	75,584	351,352	240,298	236,851	133,785	261,957	124,876	50,019	27,371
non-trading financial assets mandatorily measured at fair value through profit or loss
financial assets and liabilities designated as at fair value through profit or loss
result from derecognition of financial assets and liabilities at amortized cost and financial assets at fair value through other comprehensive income	11,446	2,046	1,013	8,293	5,081	-4,181	-265	-66	-117	-61,772	-57,902	474	508
exchange, indexation and accounting hedging of foreign currency	70,692	49,740	17,483	77,440	81,958	120,594	110,773	-13,805	-30,696	103,200	111,449	82,205	28,100
reclassification of financial assets for changes in the business model
other financial result
net financial income	202,331	129,593	60,642	224,980	162,623	467,765	350,806	222,980	102,972	303,385	178,423	132,698	55,979
income attributable to investments in other companies	8,481	5,811	1,734	7,084	4,080	14,432	9,357	5,796	1,978	13,580	8,427	5,288	1,534
result from non-current assets and disposal groups held for sale not admissible as discontinued operations	3,761	972	240	-2,465	-1,818	3,146	2,209	2,129	-1,401	2,004	-134	1,060	977
other operating income	38,357	28,963	14,080	30,052	19,730	75,995	36,498	25,517	8,664	29,659	18,729	9,188	3,086	36,079	25,720	17,328	7,956	34,559	25,679	16,242	9,391	40,548	32,445	24,346	15,533	50,860	31,996		16,064		11,652		35,533		25,207			6,336	30,866			23,474		16,739	6,579		27,386			14,128	8,147	29,472			17,488	10,466		5,723	27,221	10,485			17,924		12,121		7,892		22,061			16,341		10,366		7,637	24,735									22,739							232,400,000					1,712.1			3,677.9			5,639.5	3,044					5,161.9	13,934.8				9,729.7			3,580.4	9,617.4
total operating income	2,277,463	1,541,780	779,216	2,272,133	1,551,287	2,997,276	2,133,472	1,451,565	703,166	3,115,793	2,310,137	1,531,951	685,185																																																																																					52,873.4			48,990.4			107,817.5	43,150					41,186	160,038.7				126,292.6			38,485.6	57,520.6
expenses from salaries and employee benefits	-418,563	-280,438	-140,916	-419,369	-279,834	-582,684	-405,635	-268,794	-134,018	-528,226	-382,327	-244,978	-122,067
administrative expenses	-321,097	-214,170	-107,096	-313,467	-211,904	-408,844	-303,611	-200,807	-100,412	-355,274	-265,402	-173,424	-86,834	-324,625	-241,193	-162,663	-83,373	-318,881	-250,481	-171,920	-82,688	-329,705	-248,231	-166,323																																																					-229,919									-167,214							22,300,000
depreciation and amortization	-71,023	-47,355	-23,647	-70,951	-46,788	-92,308	-68,788	-46,302	-22,759	-84,205	-62,819	-41,013	-19,925	-76,798	-57,003	-37,768	-18,619	-73,357	-54,868	-36,112	-18,469	-70,541	-51,884	-34,665																																				-15,617																	-30,711									-32,027							21,400,000					-5,625			-4,565.3			-8,772.8	-4,157.8
impairment of non-financial assets	-2,826	-2,440	-9	-1,471	-1,512	-1,762	-112	17	29	-77	-60	100	98
other operating expenses	-24,809	-17,569	-9,370	-24,330	-16,609	-32,905	-20,714	-13,208	-6,947	-27,701	-18,269	-10,958	-5,679	-33,699	-26,178	-16,812	-8,785	-31,256	-24,875	-18,920	-12,093	-32,604	-29,029	-21,786																																				-287,295																	-35,596									-40,370												-2,569.9			-7,393.5			-6,136.3	-4,207.2
total operating expenses	-838,318	-561,972	-281,038	-829,588	-556,647	-1,118,503	-798,860	-529,094	-264,107	-995,483	-728,877	-470,273	-234,407	-887,764	-660,306	-441,840	-224,474	-882,331	-650,599	-441,826	-220,293	-911,004	-674,303	-452,523																																																					-613,848									-496,393							39,000,000
operating result before credit losses	1,439,145	979,808	498,178	1,442,545	994,640	1,878,773	1,334,612	922,471	439,059	2,120,310	1,581,260	1,061,678	450,778
credit loss expense for:
provisions for credit risk of loans and advances to banks and loans to customers	-359,665	-254,302
special provisions for credit risk	45,140	35,741
recovery of written-off credits	51,580	33,676
impairments for credit risk from other financial assets at amortized cost and financial assets at fair value through other comprehensive income	-3,135	-1,635
credit loss expense	-266,080	-186,520
net operating income	1,173,065	793,288												969,233	641,919	408,332	203,884	593,732	431,318	310,308	167,240	756,242	564,715	373,274	134,616	744,149	519,543		361,598		169,727		684,990		512,553			167,411	636,776			494,710		328,932	151,912		617,055			323,471	137,029	647,747			497,768	341,059		171,619	591,468				435,347		279,769		139,719		520,030			359,816		25,482		135,420	485,094									296,644							24,400,000
income from continuing operations before tax	1,173,065	793,288
income tax	-246,340	-159,477												-178,550	-129,966	-81,277	-40,735	-125,962	-94,102	-63,298	-32,253	-169,683	-124,346	-83,584																																																					-59,588									-39,597
income from continuing operations after tax	926,725	633,811
income from discontinued operations before tax
income tax from discontinued operations
income from discontinued operations after tax
net income for the period	926,725	633,811													509,105	324,869	162,492		336,824	248,585	136,882		445,863	293,663	101,537		433,351		305,214		142,651				433,661			139,993	552,249			428,215		283,512	132,527					285,098	116,715				462,948	304,230		150,751					380,720		243,334		121,470					327,911		228,125		121,161																																		37,894.5	130,553				103,010.6			31,216.3
attributable to:																																																																								327,910
shareholders of the bank	926,725	633,811
non-controlling interests														1	1			1	1			1				1	1						1		1												2			1		1			1	1		1	1										1								1
earnings per share:
basic earnings	9.17	6.27
diluted earnings	9.17	6.27
uf indexation expenses		-238,462	-132,944	-324,974	-227,726	-489,165	-318,961	-295,628	-141,287	-1,159,838	-911,247	-581,184	-199,064
expenses from commissions		-75,395	-36,144	-115,124	-79,288	-166,047	-122,741	-76,107	-34,022	-145,716	-106,051	-69,661	-30,469
income from fees and commissions														584,321	427,087	277,194	136,771	562,146	427,827	298,601	161,671	589,172	434,915	279,671	134,223	505,114	376,598		249,198		122,505		471,702		350,554			113,812	441,043			327,648		216,603	107,636		436,076			205,618	102,372	387,452			286,153	190,598		95,403	386,733				288,089		192,332		94,356		372,767			275,326		183,933		91,301	367,966									296,009
expenses from fees and commissions														-129,293	-85,882	-54,013	-28,501	-116,178	-81,757	-56,622	-36,200	-131,870	-96,669	-64,027																																																					-59,193									-53,938
net fees and commission income														455,028	341,205	223,181	108,270	445,968	346,070	241,979	125,471	457,302	338,246	215,644	103,410	359,955	271,020		179,224		89,161		347,674		261,200			87,221	321,271			240,147		157,757	77,410		305,979			145,794	72,101	272,188			200,490	134,362		66,284	287,094				215,850		143,894		76,968		307,257			227,237		151,572		75,266	308,773
net financial operating income														186,567	129,802	27,180	5,210	-11,458	15,264	19,793	9,154	116,409	91,479	43,431	8,566	139,856	56,578		52,141		2,106				23,886			11,734	148,883			128,574		99,260	37,684		36,539			31,573	22,005	29,459			23,551	27,168		11,895	11,084				23,687				4,870		24,747			15,766		11,337			26,927
foreign exchange transactions														-15,962	-15,239	39,080	26,412	156,662	109,677	65,193	19,380	30,886	18,562	32,391	16,117	2,701	27,031		7,273		25,483		104,875		54,117			13,888	12,405			7,131		6,403			57,318			20,899	15,503	70,225			61,561	30,554		22,578	71,457				36,764		41,980		9,960		35,136			24,829		15,570		12,241	-7,973
total operating revenues														2,230,257	1,526,006	981,043	482,425	1,938,743	1,459,428	1,017,102	513,093	2,014,520	1,484,825	982,912	444,596	1,873,283	1,367,067		902,232		444,919		1,709,270		1,274,974			422,719	1,734,794			1,314,584		886,431	410,852		1,646,355			800,138	381,479	1,646,402			1,205,949	819,904		407,953	1,456,025				1,062,918		683,280		344,150		1,342,039			968,857		663,908		337,720	1,223,782									1,016,478												254,421			203,545.2			401,028.5	161,301.2					163,293.6	681,077.3				518,784.5			179,195.3	816,827.1
provisions for loan losses														-373,260	-223,781	-130,871	-54,067	-462,680	-377,511	-264,968	-125,560	-347,274	-245,807	-157,115																																				-137,831																	-124,840									-223,441							123,700,000
operating revenues, net of provisions for loan losses														1,856,997	1,302,225	850,172	428,358	1,476,063	1,081,917	752,134	387,533	1,667,246	1,239,018	825,797	355,440	1,591,873	1,147,010		777,477		373,974		1,474,288		1,099,311			359,604	1,425,059			1,092,130		728,672	346,022		1,343,293			675,329	316,047	1,362,409			995,587	671,197		331,599	1,214,412				889,101		579,519		294,307		1,153,849			831,273		566,673		290,770	1,098,942
personnel expenses														-450,952	-335,929	-224,594	-113,696	-457,176	-319,493	-214,007	-107,043	-475,599	-344,136	-228,927																																																					-316,991
impairment														-1,690	-3	-3	-1	-1,661	-882	-867		-2,555	-1,023	-822																																																					-631
income attributable to associates														2,240	-2,848	-2,186	-657	-4,661	-392	1,575	1,895	6,450	5,494	3,973	1,110	7,255	6,956		4,148		1,157		6,057		4,340			991	4,513			3,373		1,831	667		3,672			1,745	691	2,861			1,927	1,180		207	2,071	383			2,044		1,591		608					857		874		590	3,300
income before income tax														971,473	639,071	406,146	203,227	589,071	430,926	311,883	169,135	762,692	570,209	377,247	135,726	751,404	526,499		365,746		170,884		691,047		516,893			168,402	641,289			498,083		330,763	152,579		620,727			325,216	137,720	650,608			499,695	342,239		171,826	593,539				437,391		281,360		140,327		519,801			360,673		255,699		136,010	488,394									297,484
net income for the year														792,923				463,109				593,009				594,873							576,013														558,997					591,081							513,603										465,851								428,806									257,887												47,318.4			45,134.8			93,097.3	40,839.4														52,635.1
bank’s owners														792,922	509,104	324,869	162,492	463,108	336,823	248,585	136,882	593,008	445,863	293,663	101,537	594,872	433,350		305,214		142,651		576,012		433,660			139,993	552,249			428,215		283,512	132,527					285,097	116,715				462,947	304,229		150,750					380,720		243,334		121,470		465,850			1		228,125		121,161	428,805
net income per share
basic net income per share														785	5.04	3.22	1.61	4.58	3.33	2.46	1.36	5.87	4.41	2.91			4.29				1.43							1.43	5.66											3.01						3.27		1.62	5.52				4.1		2.62		1.33		5.28					2.62		1.39	5.01
diluted net income per share														785	5.04	3.22	1.61	4.58	3.33	2.46	1.36	5.87	4.41	2.91			4.29				1.43							1.43	5.66											3.01						3.27		1.62	5.52				4.1		2.62		1.33		5.28					2.62		1.39	5.01
equity holders of the parent																																															558,995					591,080							513,602																											257,885							8,700,000
a,
a. consolidated statement of income
net fees and commissions income																																																												114,031
total operating revenue																																																												611,728
income before income taxes																																																												171,368																																	11,900,000					53,009.8			50,483.7			103,804.8	45,462.3					42,567.5	144,555.6				113,681.9			33,709.8	34,260.4
income taxes																																																												-41,631																																	37,600,000					-5,691.3			-5,348.8			-10,707.3	-4,622.7														1,153.2
income after income taxes																																																												337,497																																						47,318.5			45,134.9			93,097.5	40,839.6					37,895.3	130,554.7				103,011.9			31,216.1	35,413.6
assets																																																												9,666,888
current and deferred taxes																																																												99,506
total assets																																																												23,962,084
liabilities																																																												7,548,472
total liabilities																																																												21,955,025
a. statement of income
net interest revenue																																																																																						670,124
net fees and commissions																																																																																						242,071
gains from trading and brokerage activities																																																																																						-139,455
foreign exchange transaction																																																																																						220,999
operating revenues, net of provisions for loan																																																																																						793,037
losses
staff expenses																																																																																						-256,782							65,900,000
impairments
income attributable to affiliates																																																																																						840
minority interest																																																																																						2												-0.1			-0.1			-0.2	-0.2													0.2
basic net income																																																																																						3.14
diluted net income																																																																																						3.14
operating revenues																																																																																													40,400,000
net operating revenues																																																																																													32,800,000
operating expenses
income from price-level restatement																																																																																													153,600,000
income for the period																																																																																													8,700,000
net income																																																																																													8,700,000
yoy
qoq
operating results:
gains from trading activities																																																																																																		3,414.9			6,598.4			11,046.7	5,318.8					10,572.3	25,062.1				19,962.8			10,517.2	23,251.3
income from fees and other services																																																																																																		49,721.4			43,315.3			79,716.2	38,999.9					33,701.2	122,315.5				88,254.3			25,398.9	94,245.1
gains from foreign exchange transactions																																																																																																		804.4			1,274.9										91,060.8				33,130.7
less:
losses from trading activities																																																																																																		-2,103.1			-2,137.5			-5,087	-4,032.5
expenses from fees and other services																																																																																																		-10,509.5			-9,220.3			-14,988.1	-7,356.8
income from foreign exchange transactions																																																																																																								-5,000.1	-5,564.5
gross margin																																																																																																		145,037.7			126,291.5			245,441.1	109,445.6					106,468.8	424,588.2				320,083.2			105,397.1	436,731.9
yoy																																																																																																					15.39%										32.65%				-26.71%
qoq																																																																																																								124.26%						-74.92%								-75.87%
personnel salaries and expenses																																																																																																		-45,755.4			-38,266.5			-73,751.9	-34,073.9
administrative and other incomes																																																																																																		-28,011.7			-27,947.1			-47,763	-22,995.9
net margin																																																																																																		65,645.6			55,512.6			115,153.4	48,218					50,911	197,895.7				153,434.7			48,037.8	178,160.9
benefit from loan losses																																																																																																		-12,772.2			-6,522.2			-7,335.9	-5,068
non operating results:
non operating income																																																																																																		3,190.1			2,311.8			3,285.1	1,141.5					1,413	6,235.7				4,633.2			1,526.1	6,782.8
non operating expenses																																																																																																		-1,903.4			-2,730.9			-5,693.2	-2,957.5
equity participation in net income in investments in other
companies																																																																																																		54.6			246.9			421.8
net income from price-level restatement																																																																																																		-1,204.9			1,665.5			-2,026.4	3,929					2,596.3
equity participation in net income in investments in other companies																																																																																																									199.3
losses from foreign exchange transactions
loan loss recoveries																																																																																																														6,098.9	25,391				17,913.8			4,355.1	11,913.7
surplus																																																																																																															130,553				103,010.6			31,216.3	35,412.5
voluntary loan loss allowance																																																																																																																							17,222.6

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-10-30	2021-10-28	2021-09-30	2021-07-29	2021-04-29	2021-01-27	2020-10-29	2020-07-29	2020-01-28	2019-10-24	2019-07-25	2019-04-25	2019-01-30	2018-10-30	2018-07-30	2018-04-27	2018-01-30	2017-10-30	2017-07-31	2017-04-28	2017-01-30	2016-12-31	2016-10-27	2016-07-29	2016-04-29	2016-01-30	2015-12-31	2015-10-29	2015-07-30	2015-04-29	2015-01-29	2014-12-31	2014-10-29	2014-07-30	2014-04-29	2014-02-03	2013-12-31	2013-10-29	2013-09-30	2013-07-30	2013-04-30	2013-02-06	2012-12-31	2012-10-31	2012-07-30	2012-04-30	2012-01-29	2011-12-31	2011-03-31	2010-12-31	2010-03-10	2008-01-01	2005-12-31	2004-12-31	2003-12-31	2002-12-31	2001-12-31	2000-12-31	1999-12-31

assets
cash and due from banks	2,055,697	3,099,335,000,000		2,407,350,000,000	2,203,602,000,000	3,713,734	2,134,787,000,000	2,247,451,000,000	2,560,216	1,650,317,000,000	1,150,682	993,892	2,392,166	1,025,555	1,011,646	920,445	880,081	1,200,281	1,156,318,000,000	905,988	1,057,393	1,408,167,000,000	1,161,938	978,313	936,459	1,408,167	1,361,222,000,000	982,340	1,127,203	836,428	1,361,222	915,133,000,000	939,918	732,161	794,834	915,133	873,308,000,000	998,770	998,770,000,000	1,186,226	629,627	873,308	684,925,000,000	610,396	768,328	996,023	684,925	881,146,000,000	881,146	772,329,000,000	772,329,000,000	331,517,000,000	617,729,000,000	1,011,766,000,000	928,979,000,000	725,477,000,000		515,640,000,000	445,387,000,000
transactions in the course of collection	586,308	410,644,000,000		616,932,000,000	512,295,000,000	576,457	490,166,000,000	501,348,000,000	582,308	631,110,000,000	1,023,491	824,271	584,672	621,850	604,874	741,774	580,333	519,833	901,313,000,000	538,531	521,809	206,972,000,000	485,580	626,653	627,906	376,252	319,679,000,000	579,892	637,500	558,183	526,046	356,185,000,000	412,839	390,327	404,457	400,081	300,026,000,000	513,900	506,318,000,000	775,311	478,296	374,471	310,077,000,000	409,937	484,773	546,454	396,611	373,639,000,000	373,639	429,756,000,000	429,756,000,000	542,579,000,000	309,869,000,000
financial assets held for trading at fair value through profit or loss:
derivative financial instruments	1,766,262
debt financial instruments	3,197,813
others	403,914
non-trading financial assets mandatorily measured at fair value through profit or loss
financial assets at fair value through profit or loss
financial assets at fair value through other comprehensive income:
derivative financial instruments for hedging purposes	69,057
financial assets at amortized cost:
rights by resale agreements and securities lending	106,523
loans and advances to banks	2,061,577	2,017,505,000,000		3,446,995,000,000	4,554,592,000,000	1,529,313	2,410,953,000,000	1,940,990,000,000	2,938,991	984,651,000,000	1,191,846	914,911	1,139,433	1,348,672	1,301,776	788,477	1,494,307	592,767	380,382,000,000	1,011,309	759,702		1,081,945	1,090,159	1,558,556	1,172,917		1,563,739	1,470,569	1,471,506	1,395,195		675,764	750,620	1,557,200	1,155,365		676,953		313,541	966,762	1,062,056	1,343,322,000,000	793,033	331,180	299,377	1,343,322		648,425				36,395,000,000
loans to customers - commercial loans	19,846,324
loans to customers - residential mortgage loans	13,804,608
loans to customers - consumer loans	5,136,132
investments in other companies	83,265	48,088,000,000		43,588,000,000	43,980,000,000	49,168	48,984,000,000	51,273,000,000	44,649	49,169,000,000	47,694	45,714	50,758	44,366	41,588	38,974	44,561	36,437	34,813,000,000	34,133	38,041	30,314,000,000	31,815	29,352	28,718	32,588	25,849,000,000	27,570	26,425	25,917	28,126	23,043,000,000	24,584	23,996	16,811	25,312	14,407,000,000	16,697	14,436,000,000	14,848	14,247	16,670	11,674,000,000	15,368	15,498	15,880	13,933	13,196,000,000	15,418	11,072,000,000	11,072,000,000	7,942,000,000	8,552,000,000
intangible assets	168,125	68,401,000,000	68,401	66,798,000,000	62,531,000,000	72,532	60,093,000,000	59,464,000,000	60,701	54,769,000,000	54,423	53,025	58,307	48,394	45,542	41,766	52,061	33,925	30,613,000,000	29,970	39,045	65,036,000,000	28,170	27,200	26,464	29,341	64,700,000,000	25,984	26,824	26,815	26,719	66,859,000,000	26,614	27,948	28,400	26,593	72,223,000,000	30,947	73,397,000,000	32,202	33,019	29,671	75,610,000,000	33,681	34,247	35,216	34,290	81,026,000,000	35,517	87,276,000,000	87,276,000,000	25,520,000,000	18,024,000,000
property and equipment	179,177	223,688,000,000		221,296,000,000	222,586,000,000	222,320	218,147,000,000	221,888,000,000	217,928	220,018,000,000	218,525	220,372	220,262	216,399	212,743	212,159	215,872	215,898	215,500,000,000	217,338	216,259	219,082,000,000	217,213	216,239	214,641	219,082	215,671,000,000	212,585	206,328	204,941	215,671	205,403,000,000	203,764	202,265	197,727	205,403	197,578,000,000	198,797	198,797,000,000	202,235	203,495	197,578	205,189,000,000	207,655	207,736	209,188	205,189	207,888,000,000	207,888	205,539,000,000	205,539,000,000	199,403,000,000
right-of-use assets	84,621
current tax assets	5,819	671,000,000		1,515,000,000	37,132,000,000	846	25,028,000,000	28,520,000,000	22,949	802,000,000	388	524	357	12,602	19,074	37,907	677	22,184	16,290,000,000	24,444	23,032	6,657,000,000	1,939	2,072	4,219	6,792		3,104	3,137	3,931	3,279		2,412	2,719	2,809	3,468		3,018	975,000,000	4,608	3,153	3,202		1,629	1,550	2,197	2,684		1,407	3,363,000,000	3,363,000,000
deferred tax assets	562,607	387,291,000,000		381,804,000,000	353,667,000,000	439,194	333,333,000,000	324,211,000,000	357,945	316,035,000,000	319,922	276,563	320,948	267,584	260,356	265,571	277,922	297,237	296,353,000,000	294,935	267,400	176,923,000,000	286,758	282,130	257,877	306,030	129,192,000,000	238,524	206,270	199,808	255,972	94,240,000,000	189,675	156,659	149,961	202,869	56,421,000,000	135,961	47,816,000,000	118,949	124,618	145,904	55,801,000,000	127,511	113,639	112,394	127,143	60,025,000,000	116,282	57,678,000,000	57,678,000,000	16,033,000,000	75,162,000,000
other assets	1,580,799	649,322,000,000	649,322	579,999,000,000	522,626,000,000	699,233	606,452,000,000	861,478,000,000	579,467	732,302,000,000	562,342	565,812	862,968	610,750	705,971	545,926	673,380	494,114	403,469,000,000	394,977	547,974	462,857,000,000	395,729	472,196	406,288	462,185	483,591,000,000	476,732	455,402	414,363	484,498	586,555,000,000	303,269	293,145	321,460	355,057	373,987,000,000	259,656	299,200,000,000	297,051	299,371	318,029	317,765,000,000	290,885	283,703	261,008	296,878	254,310,000,000	228,533	304,425,000,000	304,425,000,000	449,798,000,000	125,773,000,000	479,715,000,000	452,135,000,000	398,141,000,000	193,432,000,000	192,390,000,000	193,347,000,000
non-current assets and disposal groups held for sale	29,313
total assets	55,470,093	49,218,423,000,000	49,218,423	47,316,246,000,000	44,985,365,000,000	51,702,439	45,329,873,000,000	46,142,637,000,000	46,095,131	39,447,348,000,000	37,254,665	36,092,359	41,273,333	35,084,881	34,360,845	33,243,741	35,926,459	31,943,143	32,277,333,000,000	31,832,659	32,824,188	31,357,304,000,000	31,018,838	31,007,979	31,105,826	31,558,000	31,057,596,000,000	30,821,866	29,173,468	28,156,552	31,292,944	27,581,676,000,000	26,611,900	25,460,802	26,130,050	27,645,828	25,873,708,000,000	25,253,318	25,261,423,000,000	24,404,074	23,825,746	25,933,870	23,198,200,000,000	22,739,005	22,480,472	21,955,641	23,261,066	21,765,558,000,000	21,740,947	18,276,464,000,000	18,276,464,000,000	13,785,381,000,000	11,931,827,000,000	10,961,783,000,000	10,028,742,000,000	9,215,097,000,000	6,488,978,000,000	6,037,639,000,000	5,440,212,000,000
liabilities
transactions in the course of payments	519,938																					25,702,000,000					35,475,000,000					53,049,000,000					51,898,000,000		306,905,000,000
financial liabilities held for trading at fair value through profit or loss:
financial liabilities designated as at fair value through profit or loss
financial liabilities at amortized cost:
current accounts and other demand deposits	14,323,346	17,607,258,000,000		17,408,414,000,000	15,682,372,000,000	18,542,791	14,518,325,000,000	13,128,551,000,000	15,167,229	10,039,396,000,000	9,600,788	9,600,304	11,326,133	9,030,897	9,290,377	8,800,358	9,584,488	8,150,505	8,212,432,000,000	8,322,665	8,915,706	8,321,148,000,000	7,629,008	7,859,630	7,856,852	8,321,148	8,327,048,000,000	7,292,658	7,212,708	7,048,174	8,327,048	6,934,373,000,000	6,345,503	6,141,163	6,596,559	6,934,373	5,984,332,000,000	5,927,692	5,927,692,000,000	5,567,606	5,455,183	5,984,332	5,470,971,000,000	5,001,775	5,094,930	5,155,775	5,470,971	4,895,426,000,000	4,895,426	4,446,181,000,000	4,446,181,000,000	2,285,357,000,000	2,389,262,000,000
saving accounts and time deposits	15,139,286																					10,552,901,000,000					9,907,692,000,000					9,721,246,000,000					10,402,725,000,000		10,332,890,000,000				9,612,950,000,000					9,282,324,000,000		7,697,968,000,000	7,697,968,000,000	6,393,113,000,000	5,508,904,000,000
obligations by repurchase agreements and securities lending	168,080
borrowings from financial institutions	1,525,228	4,814,758,000,000		4,968,562,000,000	3,674,566,000,000	4,861,865	3,869,391,000,000	4,313,057,000,000	3,669,753	1,651,038,000,000	1,596,655	1,375,919	1,563,277	1,215,836	1,177,292	1,012,954	1,516,759	1,242,438	1,121,958,000,000	1,029,720	1,195,028	1,040,026,000,000	1,123,190	1,071,120	1,207,364	1,040,026	1,529,627,000,000	1,569,095	1,314,762	1,193,195	1,529,627	1,098,716,000,000	803,577	727,759	593,258	1,098,716	989,465,000,000	876,247	876,247,000,000	1,157,728	1,184,869	989,465	1,108,681,000,000	1,124,497	1,435,215	1,698,913	1,108,681	1,690,939,000,000	1,690,939	1,281,372,000,000	1,281,372,000,000	857,329,000,000	899,001,000,000
debt financial instruments issued	11,335,551
other financial obligations	281,542	259,116,000,000		218,703,000,000	257,319,000,000	274,618	100,395,000,000	100,078,000,000	191,713	154,259,000,000	171,284	110,793	156,229	119,964	144,150	150,676	118,014	117,840	152,571,000,000	149,738	137,163	186,199,000,000	165,436	131,838	175,266	186,199	173,081,000,000	153,508	177,797	165,620	173,081	186,573,000,000	183,656	194,135	198,014	186,573	210,926,000,000	174,967	174,967,000,000	160,253	150,245	210,926	162,123,000,000	147,554	153,503	146,950	162,123	184,785,000,000	184,785	179,160,000,000	179,160,000,000	63,041,000,000	47,035,000,000
lease liabilities	79,704	99,013,000,000		108,185,000,000	114,059,000,000	95,670	125,223,000,000	132,130,000,000	115,017	149,409,000,000	155,373	153,896	146,013
regulatory capital financial instruments	1,095,083
provisions for contingencies	173,289
benefit from dividends, interests and reappraisal of regulatory capital financial instruments	468,332
special provisions for credit risk	728,625
current tax liabilities	49,996	82,930,000,000		24,218,000,000	189,000,000	113,129	456,000,000	4,000,000	311	52,228,000,000	74,389	30,670	76,289	1,440	1,706	4,002	20,924	2,462	1,172,000,000	515	3,453		6,437	16,617	22,325	135	24,714,000,000	23,048	11,967	18,728	27,993	19,030,000,000	9,908	7,857	4,932	22,498	7,131,000,000	2,043		261	26,455	10,333	23,189,000,000	26,222	12,272	7,442	25,880	3,095,000,000	4,502			5,922,000,000
deferred tax liabilities	1,323							14,000,000				25				44		28,515	27,928,000,000	26,244			27,114	26,420	34,908	24,317		33,391	33,029	37,686	32,953		46,579	36,598	38,701	35,029		36,851		26,211	31,656	36,569		21,329	22,736	23,722	27,630		23,213				26,132,000,000
other liabilities	1,801,079	608,030,000,000	608,030	639,961,000,000	538,057,000,000	595,730	513,597,000,000	605,883,000,000	565,120	548,426,000,000	532,593	332,983	643,498	411,887	468,947	342,650	412,524	272,933	289,592,000,000	286,015	309,161	291,488,000,000	309,670	313,674	256,510	292,026	261,330,000,000	251,069	290,764	254,497	259,312	255,995,000,000	229,939	207,844	235,006	246,388	275,762,000,000	239,581	247,931,000,000	256,628	252,459	268,105	305,105,000,000	265,914	282,508	213,311	301,066	279,462,000,000	265,765	224,225,000,000	224,225,000,000	228,656,000,000	151,113,000,000	888,173,000,000	715,834,000,000	590,294,000,000	427,509,000,000	391,411,000,000	361,776,000,000
liabilities included in disposal groups held for sale
total liabilities	49,788,548	45,176,784,000,000	45,176,784	43,382,729,000,000	41,165,241,000,000	47,479,425	41,698,405,000,000	42,563,727,000,000	42,368,863	36,023,391,000,000	33,862,014	32,791,409	37,745,110	31,861,358	31,193,151	30,140,726	32,622,306	28,905,747	29,293,501,000,000	28,936,393	29,718,473	28,049,630,000,000	28,165,661	28,216,979	28,344,831	28,670,589	27,882,271,000,000	28,154,047	26,563,965	25,627,989	28,552,857	24,670,701,000,000	24,173,589	23,080,099	23,837,801	25,110,672	23,194,669,000,000	23,027,487	22,570,274,000,000	22,236,877	21,680,664	23,649,554	20,842,738,000,000	20,904,462	20,684,747	20,189,054	21,254,007	19,724,889,000,000	20,001,772	16,582,139,000,000	16,582,139,000,000	12,732,802,000,000	11,006,237,000,000	10,195,495,000,000	9,274,490,000,000	8,552,034,000,000	6,064,300,000,000	5,627,414,000,000	5,032,872,000,000
equity
capital	2,420,538	2,418,833,000,000	2,418,833	2,418,833,000,000	2,418,833,000,000	2,418,833	2,418,833,000,000	2,418,833,000,000	2,418,833	2,418,833,000,000	2,418,833	2,418,833	2,418,833	2,418,833	2,418,833	2,418,833	2,418,833	2,271,401	2,271,401,000,000	2,271,401	2,271,401	2,138,047,000,000	2,138,047	2,138,047	2,138,047	2,138,047	2,041,173,000,000	2,041,173	2,041,173	2,041,173	2,041,173	1,944,920,000,000	1,944,920	1,944,920	1,944,920	1,944,920	1,849,351,000,000	1,849,351	1,849,351,000,000	1,849,351	1,849,433	1,849,351	1,629,078,000,000	1,509,994	1,509,994	1,509,994	1,629,078	1,436,083,000,000	1,436,083	1,158,752,000,000	1,158,752,000,000	811,330,000,000						203,860,000
reserves	711,658	703,571,000,000	703,571	703,476,000,000	703,373,000,000	703,604	703,206,000,000	703,206,000,000	703,206	703,190,000,000	703,317	703,453	703,272	617,689	617,689	617,689	617,597	563,069	563,069,000,000	563,069	563,188	709,771,000,000	486,083	486,083	486,083	486,208	563,271,000,000	390,640	390,640	390,640	390,616	431,476,000,000	263,338	263,553	263,549	263,258	345,269,000,000	213,767	345,400,000,000	213,767	213,767	213,636	296,937,000,000	177,574	177,574	177,574	177,574	229,464,000,000	119,482	158,282,000,000	158,282,000,000	1,176,000,000
accumulated other comprehensive income
items that are not reclassified in profit and loss	6,906
items that can be reclassified to profit and loss	-6,741
retained earnings from previous periods	2,090,790																			16,060		64,986,000,000	16,060	16,060	16,060	16,060	64,986,000,000	16,060	16,060	16,060	16,060	65,311,000,000	16,379	16,379	16,379	16,379	65,311,000,000	16,379	65,311,000,000	16,379	16,379	16,379	65,311,000,000	16,379	16,379	16,379	16,379	65,311,000,000	16,379	65,023,000,000	65,023,000,000	72,713,000,000
income for the period	926,725	509,104,000,000	509,104	324,869,000,000	162,492,000,000		336,823,000,000	248,585,000,000		445,863,000,000	293,663	101,537		433,350	305,214	142,651		433,660	299,811,000,000	139,993			428,215	283,512	132,527	552,249		418,897	285,097	116,715			462,947	304,229	150,750			380,720		243,334	121,470			327,910	228,125	121,161
less: benefit from dividends, interests and reappraisal of regulatory capital financial instruments	-468,332
shareholders of the bank	5,681,544
non-controlling interests	1	2,000,000		1,000,000	1,000,000	1	1,000,000	1,000,000	1	1,000,000	1	1	1	1	1	1	1	1	1,000,000	1	1		1	1	1	1		2	2	1	3		2	2	2	2		1		1	1	2		1	1	1	2		2
total equity	5,681,545	4,041,639,000,000	4,041,639	3,933,517,000,000	3,820,124,000,000	4,223,014	3,631,468,000,000	3,578,910,000,000	3,726,268	3,423,957,000,000	3,392,651	3,300,950	3,528,223	3,223,523	3,167,694	3,103,015	3,304,153	3,037,396	2,983,832,000,000	2,896,266	3,105,715	3,307,674,000,000	2,853,177	2,791,000	2,760,995	2,887,411	3,175,325,000,000	2,667,819	2,609,503	2,528,563	2,740,087	2,910,975,000,000	2,438,311	2,380,703	2,292,249	2,535,156	2,679,039,000,000	2,225,831	2,691,149,000,000	2,167,197	2,145,082	2,284,316	2,355,462,000,000	1,834,543	1,795,725	1,766,587	2,007,059	2,040,669,000,000	1,739,175	1,694,325,000,000	1,694,325,000,000	1,052,579,000,000	1,707,328,000,000
total liabilities and equity	55,470,093	49,218,423,000,000	49,218,423	47,316,246,000,000	44,985,365,000,000	51,702,439	45,329,873,000,000	46,142,637,000,000	46,095,131	39,447,348,000,000	37,254,665	36,092,359	41,273,333	35,084,881	34,360,845	33,243,741	35,926,459	31,943,143	32,277,333,000,000	31,832,659	32,824,188	31,357,304,000,000	31,018,838	31,007,979	31,105,826	31,558,000	31,057,596,000,000	30,821,866	29,173,468	28,156,552	31,292,944	27,581,676,000,000	26,611,900	25,460,802	26,130,050	27,645,828	25,873,708,000,000	25,253,318	25,261,423,000,000	24,404,074	23,825,746	25,933,870	23,198,200,000,000	22,739,005	22,480,472	21,955,641	23,261,066	21,765,558,000,000	21,740,947	18,276,464,000,000	18,276,464,000,000	13,785,381,000,000
financial assets held-for-trading		3,141,762,000,000		3,537,495,000,000	2,229,153,000,000	3,876,695	4,021,785,000,000	3,979,617,000,000	4,666,156	1,783,121,000,000	1,550,158	1,913,981	1,872,355	1,806,340	1,299,202	1,586,858	1,745,366	1,184,531	1,867,111,000,000	2,057,671	1,616,647	1,379,958,000,000	1,411,245	1,441,372	1,230,122	1,405,781	843,574,000,000	570,562	561,169	513,743	866,654	293,458,000,000	585,984	418,422	489,216	548,471	326,921,000,000	365,892	317,627,000,000	388,921	328,921	393,134	159,682,000,000	341,668	370,945	346,338	192,724	304,912,000,000	336,822	279,765,000,000	279,765,000,000	928,634,000,000
investment under resale agreements		76,496,000,000		92,797,000,000	62,423,000,000	64,365	57,572,000,000	47,878,000,000	76,407				142,329
derivative instruments		2,844,672,000,000		1,738,135,000,000	1,950,321,000,000	2,983,298	2,985,428,000,000	3,983,317,000,000	2,618,004	2,544,156,000,000	1,435,764	1,168,896	2,786,215	1,213,523	1,368,981	1,229,401	1,513,947	1,087,557	938,160,000,000	986,370	1,247,829	939,649,000,000	1,055,574	1,120,863	1,102,172	939,634	1,127,122,000,000	1,416,203	995,002	959,203	1,127,122	832,267,000,000	820,546	548,173	516,919	832,193	374,687,000,000	290,487	286,959,000,000	367,417	334,163	374,688	326,083,000,000	381,177	343,975	375,169	329,497	381,055,000,000	385,688	488,354,000,000	488,354,000,000	81,048,000,000
loans to customers		32,404,479,000,000		31,577,277,000,000	31,047,999,000,000	33,537,758	30,542,084,000,000	30,162,045,000,000	30,190,058	28,907,977,000,000	28,205,600	27,556,290	29,334,052	26,445,749	25,956,985	25,295,029	27,307,223	24,883,557	25,043,464,000,000	24,804,164	24,881,353	24,843,655,000,000	24,414,881	24,099,024	23,896,852	24,775,543	24,022,983,000,000	23,446,019	22,107,270	21,343,909	23,956,275	21,400,775,000,000	20,858,305	20,391,984	20,456,023	21,348,033	20,441,472,000,000	19,957,386	20,010,809,000,000	19,063,627	18,762,438	20,389,033	18,383,958,000,000	17,964,344	17,970,558	17,357,290	18,334,330	17,023,756,000,000	16,993,303	14,029,968,000,000	14,029,968,000,000	10,424,603,000,000
financial assets available-for-sale		3,440,313,000,000		2,364,328,000,000	1,064,518,000,000	3,054,809	1,266,087,000,000	1,597,132,000,000	1,060,523	1,332,299,000,000	1,243,177	1,312,347	1,357,846	1,350,726	1,437,807	1,420,340	1,043,440	1,309,061	937,738,000,000	477,066	1,516,063	374,470,000,000	399,517	583,290	778,194	367,985	1,007,263,000,000	1,241,722	1,304,422	1,566,813	1,000,001	1,608,796,000,000	1,556,870	1,489,507	1,156,370	1,600,189	1,681,883,000,000	1,784,353	1,792,453,000,000	1,613,767	1,602,820	1,673,704	1,272,316,000,000	1,514,891	1,513,313	1,359,057	1,264,440	1,471,120,000,000	1,468,898	1,157,105,000,000	1,157,105,000,000	1,062,000,000
financial assets held-to-maturity		302,532,000,000		127,770,000,000		782,529
leased assets		103,224,000,000		112,167,000,000	117,940,000,000	100,188	128,974,000,000	136,025,000,000	118,829	153,758,000,000	156,671	155,502	150,665
transactions in the course of payment		337,560,000,000		710,418,000,000	838,056,000,000	460,490	1,010,028,000,000	526,963,000,000	1,302,000	449,454,000,000	727,547	578,260	352,121	492,955	384,199	467,064	335,575	334,535	657,276,000,000	369,344	295,712		297,673	379,423	421,078	194,982		386,559	402,939	308,261	241,842		290,445	185,143	212,751	96,945		314,489		438,056	317,569	126,343	72,684,000,000	211,450	267,312	349,718	159,218	155,424,000,000	155,424	208,750,000,000	208,750,000,000	308,623,000,000	93,171,000,000
obligations under repurchase agreements		111,438,000,000	111,438	150,185,000,000	104,176,000,000	95,009	284,917,000,000	238,508,000,000	288,917				308,734
savings accounts and time deposits		8,972,204,000,000		7,869,674,000,000	8,274,926,000,000	9,140,006	8,854,870,000,000	9,687,722,000,000	8,899,541	10,726,131,000,000	10,798,909	11,263,020	10,856,618	11,006,655	10,482,294	10,371,047	10,656,174	10,395,287	10,544,640,000,000	10,414,294	10,067,778		10,572,835	10,605,357	10,730,905	10,552,901		10,308,250	9,890,101	9,736,875	9,907,692		9,560,022	9,522,184	9,973,468	9,721,246		10,332,890		9,564,872	9,831,738	10,402,725		9,947,950	9,341,168	9,140,305	9,612,950		9,282,324
debt issued		8,758,172,000,000		8,771,310,000,000	8,966,980,000,000	9,478,905	8,709,673,000,000	9,152,506,000,000	8,593,595	8,803,492,000,000	7,863,807	7,405,294	8,813,414	7,220,113	6,963,467	6,911,859	7,475,552	6,351,278	6,609,678,000,000	6,651,840	6,488,975	6,177,927,000,000	6,165,344	6,011,248	5,957,559	6,177,927	6,102,208,000,000	5,978,984	5,607,828	5,305,301	6,102,208	5,057,956,000,000	5,139,773	4,850,192	4,746,683	5,057,956	4,366,960,000,000	4,056,885	4,056,885,000,000	3,763,946	3,462,679	4,366,960	3,273,933,000,000	2,978,444	3,032,199	2,499,397	3,273,933	2,388,341,000,000	2,388,341	1,764,165,000,000	1,764,165,000,000	1,615,927,000,000	1,416,846,000,000
provisions		882,161,000,000	882,161	730,243,000,000	594,979,000,000	1,048,013	590,953,000,000	566,583,000,000	733,911	599,755,000,000	506,928	399,679	684,663	575,796	510,201	430,793	670,119	609,436	521,857,000,000	423,541	695,868	187,568,000,000	580,122	496,164	363,075	662,024	182,832,000,000	545,465	430,682	329,229	639,043	185,643,000,000	511,687	400,934	296,808	601,714	154,650,000,000	467,405	1,852,000,000	374,342	270,370	551,898	141,839,000,000	416,987	344,463	258,396	504,837	131,344,000,000	457,938	114,685,000,000	114,685,000,000	79,090,000,000	72,136,000,000
attributable to bank’s owners:
other comprehensive income		-19,214,000,000		-26,348,000,000	-49,756,000,000	-23,927	-70,085,000,000	-85,257,000,000	-51,250	-84,148,000,000	-44,824		-56,601						-9,028,000,000				1,894	10,272	54,918		63,688,000,000	42,870	52,110	45,675	57,709	51,072,000,000	16,769	15,905	1,532	44,105	22,999,000,000	13,182	20,191,000,000	11,783	24,690	15,928	25,769,000,000	17,570	7,443	12,883	18,935	265,000,000	-2,075	8,210,000,000	8,210,000,000
retained earnings:
retained earnings from previous years		655,478,000,000		655,478,000,000	655,478,000,000	655,478	412,641,000,000	412,641,000,000	412,641	170,171,000,000	170,171	170,188	170,171	17,481	16,060	16,060	17,481	16,060	16,060,000,000		16,060
less:
benefit from minimum dividends		-226,135,000,000		-142,792,000,000	-70,297,000,000	-323,897	-169,951,000,000	-119,099,000,000	-220,271	-229,953,000,000	-148,510		-300,461						-157,482,000,000																								-139,755,000,000					-128,642,000,000	-259,501	-113,559,000,000	-113,559,000,000
subtotal		4,041,637,000,000		3,933,516,000,000	3,820,123,000,000	4,223,013	3,631,467,000,000	3,578,909,000,000	3,726,267	3,423,956,000,000	3,392,650	3,300,949	3,528,222	3,223,522	3,167,693	3,103,014	3,304,152	3,037,395	2,983,831,000,000	2,896,265	3,105,714		2,853,176	2,790,999	2,760,994	2,887,410		2,667,817	2,609,501	2,528,562	2,740,084		2,438,309	2,380,701	2,292,247	2,535,154		2,225,830		2,167,196	2,145,081	2,284,314		1,834,542	1,795,724	1,766,586	2,007,057		1,739,173
cash and deposits in banks			3,099,335
cash items in process of collection			410,644
financial assets held for trading			3,141,762
investments under resale agreements			76,496
financial derivative contracts			2,844,672
interbank loans			2,017,505
loans and account receivable at amortized cost			32,404,479
financial assets at fair value through oci			3,440,313
held to maturity investments			302,532
investments in associates and other companies			48,088
property, plant, and equipment			223,688
right of use assets			103,224
investments properties																						14,674,000,000					15,042,000,000					15,936,000,000					16,317,000,000		16,412,000,000
current taxes			671
deferred taxes			387,291
deposits and other demand liabilities			17,607,258
cash items in process of being cleared			337,560
time deposits and other time liabilities			8,972,204
interbank borrowing			4,814,758
issued debt instruments			8,758,172
other financial liabilities			259,116
obligations for lease contracts			99,013
employee benefits																						83,345,000,000					74,791,000,000					81,515,000,000					67,944,000,000		60,648,000,000				64,545,000,000					60,634,000,000		55,433,000,000	55,433,000,000	34,991,000,000
attributable to the equity holders of the bank
valuation adjustments			-19,214
retained earnings
retained earnings from prior years			655,478
minus: benefit from mandatory dividends			-226,135
non-controlling interest			2																			1,000,000					3,000,000					2,000,000					2,000,000		1,000,000				2,000,000					2,000,000		2,000,000	2,000,000	1,000,000
income for the year						792,922			463,108				593,008				594,872				576,012	575,051,000,000					609,903,000,000				558,995	595,518,000,000				591,080	550,188,000,000		410,895,000,000			513,602	478,120,000,000				465,850	438,186,000,000	428,805	417,615,000,000	417,615,000,000	242,288,000,000
cash collateral on securities borrowed and reverse repurchase agreements										86,864,000,000	93,982	90,259		72,371	94,300	119,114	97,289	65,761	55,809,000,000	55,763	91,641	55,703,000,000	46,534	39,116	37,358	55,703	46,164,000,000	36,890	45,947	30,992		27,661,000,000	11,356	32,876	37,863		82,422,000,000	20,501	20,501,000,000	25,371	44,816		35,100,000,000
cash collateral on securities lent and repurchase agreements										194,372,000,000	261,120	281,042		452,807	304,543	260,162	303,820	192,295	186,082,000,000	233,348	195,392	216,817,000,000	221,271	179,379	189,331	216,817	184,131,000,000	267,548	239,066	249,784	184,131	249,482,000,000	225,884	225,148	370,735	249,482	256,766,000,000	223,409	223,409,000,000	495,812	329,557	256,766	226,396,000,000
loans and advance to banks																						1,173,187,000,000					1,395,544,000,000					1,155,365,000,000					1,062,056,000,000		676,953,000,000									648,425,000,000		349,588,000,000	349,588,000,000	278,591,000,000
derivate instruments																						966,509,000,000					1,079,342,000,000					827,123,000,000							360,848,000,000
attributable to equity holders of the parent:
provisions for minimum dividend																																-177,324,000,000					-154,081,000,000
cash collateral on securities borrowers and reverse repurchase																															46,164					27,661						82,422
investment properties																																											16,698,000,000					17,079,000,000		17,459,000,000	17,459,000,000	16,459,000,000
receivables from repurchase agreements and security borrowing																																												46,830	41,027	40,050	35,100	47,981,000,000	47,981	82,787,000,000	82,787,000,000	69,130,000,000
payables from repurchase agreements and security lending																																												309,049	290,208	301,456	226,396	223,202,000,000	223,202	81,755,000,000	81,755,000,000	355,183,000,000
assets classified as held-for-sale																																																				413,062,000,000
liabilities classified as held-for-sale																																																				385,408,000,000
consolidated statement of financial situation data
chilean gaap:
trading securities																																																					1,627,927,000,000
securities purchased under resale agreement																																																					55,761,000,000
total loans to customer																																																					8,839,114,000,000
available for sale instruments																																																					29,429,000,000
held to maturity instruments																																																					18,408,000,000
bank premises and equipment																																																					169,684,000,000
securities sold under repurchase agreements																																																					326,747,000,000
currents tax liabilities																																																					4,221,000,000
u.s. gaap :
financial investments																																																					1,336,790,000,000	1,789,058,000,000	2,027,922,000,000	1,714,849,000,000	1,759,103,000,000	1,442,069,000,000	1,170,094,000,000
loans																																																					8,893,200,000,000	7,145,623,000,000	6,220,512,000,000	6,017,489,000,000	5,915,863,000,000	2,225,145,000,000	2,015,199,000,000
minority interest																																																					1,000,000
consolidated balance sheet data
investments purchased under agreements to resell																																																						29,889,000,000	32,157,000,000
loans, net of allowances																																																						7,651,355,000,000	6,587,549,000,000	6,376,630,000,000	3,973,488,000,000	3,887,540,000,000	3,631,384,000,000
deposits																																																						6,573,191,000,000	5,761,771,000,000	5,511,755,000,000	3,936,881,000,000	3,673,909,000,000	3,099,594,000,000
other interest bearing liabilities																																																						2,683,485,000,000	2,787,314,000,000	2,449,985,000,000	1,699,910,000,000	1,562,094,000,000	1,571,502,000,000
shareholders’ equity
u.s. gaap:
total shareholders’ equity																																																						1,504,414,000,000	1,453,532,000,000	1,372,782,000,000	1,206,730,000,000	415,592,000,000	237,117,000,000
consolidated ratios
profitability and performance
net interest margin																																																										4,270,000
return on average total assets																																																										1,570,000
return on average shareholders’ equity																																																										23,680,000
average shareholders’ equity as a percentage of total assets																																																										6,620,000
bank regulatory capital as a percentage of minimum regulatory
ratio of liabilities to regulatory capital																																																										17,460,000
credit quality
category b-, c and d loans as a percentage of total loans																																																										5,750,000
past due loans as a percentage of total loans																																																										1,360,000
allowances for loan losses as a percentage of loans category b-,
c and d loans																																																										52,520,000
allowances for loan losses as a percentage of past due loans																																																										222,460,000
allowances for loan losses as a percentage of total loans																																																										3,020,000
past due amounts as a percentage of shareholders’ equity																																																										16,890,000
consolidated risk index																																																										2,010,000
operating ratios
operating expenses/operating revenue																																																										52,680,000
operating expenses/average total assets																																																										2,570,000

Cashflow Statements:

Quarterly

Annual

Unit: USD

cash flow from operating activities:
profit for the period before taxes
income tax
net income for the period
charges (credits) to income that do not represent cash flows:
depreciation and amortization
impairment of non-financial assets
allowances established for credit risk
provisions for contingent loans
additional provisions
fair value of debt financial instruments held for trading at fair value through in profit or loss
change in deferred tax assets and liabilities
net (income) income from investments in companies with significant influence
net (income) loss on sale of assets received in payments
net (income) loss on sale of fixed assets
write-offs of assets received in payment
other charges (credits) that do not represent cash flows
net change in exchange rates, interest, readjustments and commissions accrued on assets and liabilities
changes due to increase in assets and liabilities affecting the operating flow:
net increase in accounts receivable from banks
net increase in loans and accounts receivables from customers
net increase of debt financial instruments held for trading at fair value through profit or loss
net increase in other assets and liabilities
increase in deposits and other demand obligations
increase in repurchase agreements and securities loans
increase in deposits and other time deposits
sale of assets received in lieu of payment
increase in obligations with foreign banks
increase in other financial obligations
increase in obligations with the central bank of chile
net increase of debt financial instruments at fair value through other comprehensive income
net increase of financial instruments at amortized cost
total net cash flows from operating activities
cash flow from investing activities:
leasehold improvements
property and equipment purchase
property and equipment sale
sale of investments in companies
acquisition of intangibles
dividend received of investments in companies
total net cash flows from investing activities
cash flow from financing activities:
attributable to the interest of the owners:
redemption and payment of interest of letters of credit
redemption and payment of interest on current bonds
redemption and payment of interest on subordinated bonds
current bonds issuance
subordinated bonds issuance
payment of common stock dividends
principal and interest payments for obligations under lease contracts
attributable to non-controlling interest:
dividend payment and/or withdrawals of paid-in capital in respect of the subsidiaries corresponding to the non-controlling interest
total net cash flows from financing activities
variation in cash and cash equivalents during the period
effect of exchange rate changes on cash and cash equivalents
opening balance of cash and cash equivalent
final balance of cash and cash equivalent
cash flows from operating activities:
profit for the period after taxes
provisions for credit losses
provisions for contingencies
net (income) loss on sale of sale of fixed assets
cash flows from investing activities:
fixed assets purchase
fixed assets sale
disposal of investments in companies
total net cash flows from (used in) investing activities
total net cash flows from (used in) financing activities
net ( increase ) decrease in accounts receivable from banks
net ( increase ) decrease in loans and accounts receivables from customers
net ( increase ) decrease of debt financial instruments held for trading at fair value through profit or loss
net ( increase ) decrease in other assets and liabilities
increase ( decrease ) in deposits and other demand obligations
increase ( decrease ) in repurchase agreements and securities loans
increase ( decrease ) in deposits and other time deposits
increase ( decrease ) in obligations with foreign banks
increase ( decrease ) in other financial obligations
increase ( decrease ) in obligations with the central bank of chile
net increase ( decrease ) of debt financial instruments at fair value through other comprehensive income
profit for the year before taxes
acquisition of investments in companies
leasedhold improvements
exchange variations effect
charges (credits) to income that do not represent cash flows
total net cash flows from operating activities:
profit for the year after taxes
variation in cash and cash equivalents during the year
provisiones constituted by credit risk
payment of other long-term loans
net increase ( decrease) of investment instruments held-to-maturity
capital increase by issuance of common shares
interest operating cash flow:
interest and readjustments received
interest and readjustments paid
total net cash flows from (used in) operating activities:
attributable to the interest of the owners :
impairment
benefit from loans and accounts receivable from customers and owed by banks
provision of contingent loans
fair value adjustment of financial assets held-for-trading
changes in assets and liabilities by deferred taxes
(gain) loss attributable to investments in companies with significant influence
(gain) income from sales of assets received in lieu of payment,net
(gain) loss on sales of property and equipment
charge-offs of assets received in lieu of payment
other charges (credits) to income that do not represent cash flows
net changes in exchange rate, interest and fees accrued on assets and liabilities
changes in assets and liabilities that affect operating cash flows:
increase in loans and advances to banks
increase in loans to customers
increase in financial assets held-for-trading
increase in other assets and liabilities
increase in current account and other demand deposits
increase in transactions from reverse repurchase agreements
increase in savings accounts and time deposits
sale of assets received in lieu of payment or adjudicated
total cash flows from operating activities
increase in financial assets available-for-sale
increase in financial assets held-to-maturity
net changes in leased assets
purchases of property and equipment
sales of property and equipment
acquisition of intangible assets
dividends received from investments in companies
total cash flows from investing activities
cash flows from financing activities:
redemption of letters of credit
issuance of bonds
redemption of bonds
dividends paid
increase in borrowings from foreign financial institutions
increase in other obligations with central bank of chile
payment of other long-term borrowings
payments for lease agreements
total cash flows from financing activities
total net (negative) positive cash flows for the period
effect of exchange rate changes
cash and cash equivalents at beginning of period
cash and cash equivalents at end of period
total net negative cash flows for the period
operational cash flow interest:
interest received
interest paid
net income for the year
total net (negative) positive cash flows for the year
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
provisions for deductible of guarantees fogape covid-19
total net positive cash flows for the period
total net positive cash flows for the year
change in the exchange rate of assets and liabilities
net interest variation, readjustment and accrued fees on assets and liabilities
increase in payables from repurchase agreements and security lending
other long-term borrowings
total net positive (negative) cash flows for the period
operating activities:
items that do not represent cash flows:
investing activities:
financing activities:
net change in exchange rate, interest variation and fees accrued on assets and liabilities
total net positive (negative) cash flows for the year
(gain) income from sales of assets received in lieu of payment
purchases of intangible assets
benefit from loan losses
(gain) loss attributable to investments in other companies
(gain) income from sales of assets received in lieu of payment net
net changes from foreign exchange transactions of other assets and other liabilities
proceeds from sale of assets received in lieu of payment
proceeds from sales of property and equipment
purchases of investments in other companies
dividends received from investments in other companies
redemption of mortgage finance bonds
proceeds from bond issuances
redemption of bond issuances
increase in borrowings from central bank of chile
other borrowings long-term
payment of other borrowings long-term
net effect of exchange rate changes on cash and cash equivalents
impairment property and equipment
provision financial guarantees
income attributable to associates
net gain on sales of assets received in lieu of payment
net gain loss on sales of property and equipment
(gain) income from foreign exchange transactions of other assets and other liabilities
net changes in interest and fee accruals
increase in deferred taxes
increase in current accounts and other demand deposits
increase in saving accounts and time deposits
increase in other operating assets and liabilities
investments in other companies
increase in borrowings from financial institutions
increase in borrowings from central bank
repayment of mortgage finance bonds
proceeds from commercial papers
redemption from bond issuances
subscription and payment of shares
supplemental disclosure of cash flow information:
cash paid during the year for:
income taxes paid
impairment of intangible assets and property and equipment
income attributable to investments in other companies
income from sales of assets received in lieu of payment
net gain on sales of property and equipment
proceeds from subscription and payment of shares
other borrowings
payment of other borrowings
borrowings from central bank of chile
payment of borrowings from central bank of chile
long-term foreign borrowings
payment of long-term foreign borrowings
proceeds from other long-term borrowings
proceeds of mortgage finance bonds
impairment of intangibles assets and property and equipment
benefit from loan losses, net of recoveries
additional provision
(income) loss attributable to investments in other companies
(income) loss sales of assets received in lieu of payment
(income) loss on sales of property and equipment
other credits (debits) that do not represent cash flows
increasein current account and other demand deposits
redemption in mortgage finance bonds
increase in other obligations with chilean central bank
borrowings with central bank of chile
payment of borrowings from central bank
proceeds from borrowings with central bank of chile
proceeds from foreign borrowings
payment of foreign borrowings
impairment of property and equipment
benefit from contingent loans
(income) loss on sales of assets received in lieu of payment
increase in payables from repurchase agreements and securities lending
increase in financial assets available for sale
cash flows used in financing activities:
increase in mortgage finance bonds
foreign borrowings
proceeds from borrowings from central bank
total cash flows from (used in) financing activities
decrease in deferred taxes
decrease in other financial obligations
decrease in borrowings from central bank of chile
borrowings from central bank
total cash flows used in financing activities
operating cash flow of interest:
other credits which do not represent cash flows
proceeds from sale investment in other companies
increase borrowings from central bank
payments for business combinations, net of cash acquired
proceeds from sale of us branches
(income) loss attributable to associates
net (gain) on sales of assets received in lieu of payment
net (gain) loss on sales of property and equipment
cash flows from operating activities
net income
provisions for loan losses
fair value adjustments of trading securities
(income) loss attributable to affiliates
gain on sales of bank premises and equipment
write-offs of assets received in lieu of payment
income from price-level restatement
minority interest
cash flows from investing activities
net increase in loans to customers
net increase in investments
net decrease (increase) in investments purchased under agreements to resell
purchases of bank premises and equipment
proceeds from sales of bank premises and equipment
investment in other companies
sale of investments in other companies
net changes in other assets and liabilities
cash flows from financial activities
net increase in current accounts
net increase in savings accounts and time deposits
decrease in other demand or other deposits
net increase in investments sold under agreements to repurchase
net increase in short-term foreign borrowings
increase mortgage finance bonds
decrease in other short-term borrowings
payments of borrowings from central bank
repayment of bond issuances
effect of price-level restatement on cash and cash equivalent
net increase in cash and cash equivalent
cash and cash equivalent at beginning of year
cash and cash equivalent at end of year

Banco de Chile(NYSE:BCH)

Banco de Chile
(NYSE:BCH)