Earnings Presentation 2Q24 O August 2nd, 2024 O SANTIAGOX NYSE Banco de Chile 1 Economic & Banking Industry Overview The economy continues posting a positive trends Trade Balance Monthly Chile's GDP Growth USD Bn, LTM YoY 15.3 15.3 15.5 12.4 9.1 7.2 3.7 2.51.2 Mar-22Jun-22Sep-22Dec-22Mar-23Jun-23Sep-23Dec-23Mar-24Jun-24 Labor Market % Unemployment Real Wage (Rigth Axis) 7% 8% 8% 9% 9% 10% 8.9% 2.0% 8.8% 8.5% 8.5% 8.7% 8.3% 8.0%7.9% 7.8% 7.8% Mar-22Jun-22Sep-22Dec-22Mar-23Jun-23Sep-23Dec-23Mar-24Jun-24 17.8 ...

Exhibit 99.1 BANCO DE CHILE AND SUBSIDIARIES (Free translation of Consolidated Financial Statements originally issued in Spanish) INDEX | I. | Interim Consolidated Statements of Financial Position | | | --- | --- | --- | | II. | Interim Consolidated Statements of Income | | | III. | Interim Consolidated Statements of Other Comprehensive Income | | | IV. | Interim Consolidated Statements of Cash Flows | | | V. | Interim Consolidated Statements of Changes in Equity | | | VI. | Notes to the Interim Consolidate ...

Financial Data and Key Metrics Changes - Banco de Chile reported a net income of CLP1,172 billion for Q1 2024, reflecting a 12% year-on-year growth, with a return on equity (ROE) of 14.5% [18] - Operating income increased by 15%, while expected credit losses decreased by 8%, although operating expenses rose by 18% [18] - The industry’s non-performing loans (NPLs) rose to 2.4%, up from 1.9% a year ago, indicating increasing credit risk [18] Business Line Data and Key Metrics Changes - Total loan volumes grew by 4.1% year-on-year, with mortgage loans increasing by 6.9%, while consumer loans expanded by only 2.5% [16] - Commercial loans saw a nominal growth of 3.2% year-on-year, reflecting subdued investment activity [16] - The bank's digital loan applications have significantly increased, with 84% of consumer loans now being processed online, up from 66% a year ago [53] Market Data and Key Metrics Changes - The Chilean economy grew by 2.5% year-on-year in Q1 2024, marking the highest expansion since 2022 [8] - The Central Bank raised its GDP growth forecast for 2024 from 1.75% to 2.5%, indicating a more optimistic economic outlook [9] - Inflation decreased to 3.9% in 2023, but a rise to 1.6% was recorded in Q1 2024, suggesting volatility in price levels [10] Company Strategy and Development Direction - Banco de Chile focuses on customer centricity, productivity, and sustainability, aiming to lead in commercial and consumer loans as well as demand deposits [20] - The bank is enhancing its digital banking capabilities, launching new products like digital savings accounts and improving customer experience through technology [22] - The bank aims to maintain a high efficiency ratio, targeting levels close to 40% in the long term [42] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the bank's ability to navigate the current economic environment, emphasizing the importance of credit risk management [18] - The bank anticipates a gradual improvement in the economy and job market, which should positively impact credit quality [38] - The expected credit losses for Q1 2024 were CLP113 billion, reflecting a stable cost of risk at 1.2% [37] Other Important Information - The bank's Basel III capital ratio stood at 16.9%, well above the regulatory requirement, indicating strong capitalization [36] - The liquidity coverage ratio reached 237%, significantly exceeding regulatory limits, showcasing robust liquidity management [35] - The bank's commitment to ESG initiatives includes measuring the carbon footprint of its loan portfolio and engaging in community support activities [24] Q&A Session Summary Question: Reserve coverage ratio and loan growth expectations - Management indicated that the reserve coverage ratio is expected to normalize to pre-pandemic levels around 2x, with current provisions being higher due to economic conditions [46] Question: Market-related revenue volatility - Management clarified that while FCIC payments will impact revenues, this will be offset by lower funding costs and improved net interest margins [48] Question: Digital loan growth with FAN accounts - The bank reported that 84% of consumer loans are now originated online, reflecting a significant shift towards digital channels [53] Question: ROE guidance and inflation impact - Management expects ROE to trend down in the second half of the year due to reduced liquidity and net interest income from FCIC payments [57] Question: Capital ratio and dividend payout - Management expressed comfort with current capital levels and indicated a return to normal payout ratios in the near term [60] Question: Impact of FCIC payments on ROE - Management acknowledged that FCIC payments will have a negative impact on ROE, but this is already factored into their guidance [64] Question: Fee structure adjustments due to regulatory changes - Management is analyzing potential adjustments to loyalty programs and fee structures in response to regulatory changes affecting interchange fees [69] Question: Banco de Chile's digital initiatives compared to peers - Management highlighted the bank's proactive approach in digital banking, launching new products and enhancing customer experience through technology [72]

Exhibit 99.1 Banco de Chile El banco de Banco de Chile and Subsidiaries x KKKK n EX EXPK x EXI x EK K Interim Consolidated Financial Statements 蓝 March 31, 2024 and 2023 as For the perio d December 31, 2023 BANCO DE CHILE AND SUBSIDIARIES (Free translation of Consolidated Financial Statements originally issued in Spanish) INDEX | --- | --- | --- | |----------------|------------------|----------------------------------------------------------------------------------------------------------------------------- ...

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of April, 2024 Commission File Number 001-15266 BANK OF CHILE (Translation of registrant's name into English) Ahumada 251 Santiago, Chile (Address of principal executive offices) Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F. Form 20-F ☒ Form 40-F ☐ BANCO ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of ...

Investors are always looking for stocks that are poised to beat at earnings season and Banco de Chile (BCH) may be one such company. The firm has earnings coming up pretty soon, and events are shaping up quite nicely for their report.That is because Banco de Chile is seeing favorable earnings estimate revision activity as of late, which is generally a precursor to an earnings beat. After all, analysts raising estimates right before earnings — with the most up-to-date information possible — is a pretty good ...

Financial Data and Key Metrics Changes - Banco de Chile reported a net income of CLP1.2 trillion for 2023, achieving a return on equity (ROE) of 25.1%, which is a significant increase compared to its peers, representing 27.2% of the total net income in the industry [4][11] - The bank maintained strong capital adequacy with a Basel ratio of 17.5% and the best asset quality indicators in the industry, with a coverage ratio of 2.7 times [5][27] - Operating revenues increased by 7% in Q4 2023 compared to the same quarter of the previous year, although full-year operating income decreased by 4% year-on-year due to normalization of economic factors [20][32] Business Line Data and Key Metrics Changes - Total loans grew by 2.5% year-on-year, with residential mortgage loans increasing by 7.8% nominally, while consumer loans grew slightly above 7% [21][22] - Commercial loans, however, declined by 1.5% year-on-year, reflecting a challenging environment for the wholesale banking segment [23] - The bank expects total loans to grow between 5% to 6% in nominal terms in 2024, driven by retail segments [23] Market Data and Key Metrics Changes - The Chilean economy showed signs of recovery with a GDP growth of 0.6% year-on-year in Q3 2023, although it is expected to have stagnated in 2023 [6][10] - Inflation decreased significantly from 12.7% in 2022 to 3.9% in 2023, allowing the Central Bank to begin an easing cycle in monetary policy [8][9] - The unemployment rate rose to 8.5% in Q4 2023, indicating a challenging labor market environment [9] Company Strategy and Development Direction - Banco de Chile focuses on three strategic pillars: customer centricity, productivity, and sustainability, which have driven its consistent results [14] - The bank is enhancing its digital banking capabilities and has launched various initiatives to improve customer experience [15] - Sustainability efforts include issuing social bonds and promoting gender equality through financing initiatives [17][18] Management's Comments on Operating Environment and Future Outlook - Management expressed a constructive view for 2024, expecting the economy to grow by approximately 1.5% and inflation to stabilize around 3% [10][34] - The bank anticipates improved loan growth driven by increased consumer confidence and lower interest rates, although caution remains due to potential economic risks [12][34] - The management highlighted the importance of maintaining a strong capital base to support future growth and navigate regulatory changes [28][29] Other Important Information - Operating expenses increased by 12% year-on-year, primarily due to inflation and IT-related costs, but are expected to normalize in 2024 [32][48] - The bank's cost-to-income ratio was 37% in Q4 2023, with expectations to maintain it below 42% in the medium term [33] Q&A Session Summary Question: Long-term ROE and Capital Levels - Management indicated that the long-term ROE of 18% assumes current capital levels and reflects a baseline scenario of economic growth [38][39] Question: Loan Growth and Consumer Lending Outlook - Management noted that while consumer loans grew, the overall demand remains weak due to high unemployment and low consumer confidence, impacting loan growth guidance [41][42][61] Question: Operating Expenses and Future Projections - Management clarified that the increase in operating expenses was influenced by inflation and one-time costs, with expectations for normalization in 2024 [47][48] Question: Impact of Interchange Cap and AT1 Issuance - Management discussed the potential impact of interchange fee reductions on fee income but noted strong growth in transaction volumes that could offset this [54][55] - Regarding AT1 issuance, management stated that given the strong capital position, there are no immediate plans for issuance [59] Question: Asset Quality Trends - Management highlighted a normalization in asset quality, with a cost of risk around 1% and NPLs at 1.4%, indicating a stable outlook for 2024 [56][57]

EARNINGS PRESENTATION Full Year 2023 & 4Q23 2023: Another Successful Year 2023 Awards Leader in Most Capitalized Best Customer Best Corporate Governance Financial Results Bank1 Service La Voz del Mercado #1 in Net Income CET 1 Ratio: 13.7% #1 in NPS² EY, the Santiago Stock Exchange and #1 in Net Fees #1 in Top of Mind³ the Chilean Ins ...

Banco de Chile (NYSE:BCH) Q3 2023 Earnings Conference Call November 3, 2023 11:30 AM ET Company Participants Rodrigo Aravena - Chief Economist & SVP, Institutional Relations Pablo Mejia - Head, IR Conference Call Participants Daer Labarta - Goldman Sachs Group Daniel Mora - CrediCorp Capital Yuri Fernandes - JPMorgan Chase & Co. Ernesto Gabilondo - Bank of America Merrill Lynch Operator Good afternoon, everyone, and welcome to Banco de Chile's Third Quarter 2023 Results Conference Call. If you need a copy o ...