Exhibit 99.1 nco de Banco de Chile and Subsidiaries Interim Consolidated Financial Statements For the periods ended as of September 30, 2023 and 2022 BANCO DE CHILE AND SUBSIDIARIES (Free translation of Consolidated Financial Statements originally issued in Spanish) INDEX | --- | --- | --- | |-----------------------------------------------|-----------------------------------------------------------------------------------|-------------------------------------------------------------------------------------- ...

Financial Data and Key Metrics Changes - Banco de Chile reported a net income of CLP352 billion for Q2 2023, achieving a return on equity (ROE) of 28%, maintaining its position as the most profitable bank in Chile [3][4] - The cost of risk was recorded at 0.7%, with non-performing loans (NPLs) at 1.3%, both significantly lower than industry averages [4] - The Common Equity Tier 1 (CET1) ratio stood at 15.5%, indicating strong capitalization in preparation for economic challenges and regulatory requirements [4][47] Business Line Data and Key Metrics Changes - Total loans experienced a 2% annual growth, with mortgage loans increasing by 9% year-on-year, while commercial loans declined by 4% due to weak investment conditions [38][40] - Consumer loans surged by 12%, achieving a market share of approximately 18%, reflecting a strong recovery in this segment [40] - The bank's net interest margin (NIM) reached 4.6%, outperforming competitors, with expectations for a slight decrease to 4.3% for the year [37][63] Market Data and Key Metrics Changes - The Chilean banking industry reported a net income of CLP1.3 trillion for the quarter, with an ROE of 18.4%, reflecting a year-on-year decline due to lower inflation and increased loan loss provisions [15] - The overall loan growth in the banking sector was limited to 4% year-on-year, with mortgage loans being the primary driver of growth [16] - The current account balance showed a surplus of $700 million in Q1 2023, marking the highest figure since 2010, indicating improved macroeconomic stability [8] Company Strategy and Development Direction - Banco de Chile is focusing on digital transformation and ESG initiatives as core strategic priorities, aiming to enhance customer experience and operational efficiency [19][26] - The bank has made significant advancements in its digital banking ecosystem, including the launch of Cuenta FAN, which attracted over 1 million users [20] - Sustainability efforts have been recognized, with the bank achieving the highest ESG rating in the Chilean banking industry and issuing social bonds to support women-owned enterprises [28] Management's Comments on Operating Environment and Future Outlook - The management highlighted a challenging economic environment, with GDP expected to decline by 0.2% for the year, but anticipates gradual recovery in the second half of 2023 [12][14] - Inflation is projected to decrease to 3.8% by the end of 2023, allowing for potential interest rate cuts by the Central Bank [13][11] - The management expressed caution regarding future growth, citing risks related to labor market conditions and political uncertainties [14][56] Other Important Information - The bank's efficiency ratio improved to 35.4%, significantly below the industry average, reflecting successful cost control measures [52] - Expected credit losses for the quarter were CLP67 billion, a 37% reduction year-on-year, indicating improved asset quality [48] - The bank's capital ratios remain robust, with a Basel III ratio of 17.8%, well above regulatory requirements [47] Q&A Session Summary Question: Sensitivity for rates and loan growth expectations - The management indicated that the sensitivity for rates is approximately CLP60 billion for every 100 basis points change, with expectations for loan growth to accelerate as economic conditions improve [51][56] Question: Sustainability of financial results - The management acknowledged that while current financial results are strong, they are influenced by non-long-term market factors, and a normalization of treasury income is expected [60][61] Question: NIM expectations for 2024 - The bank expects NIM to be around 4.2% for 2024, influenced by factors such as inflation and the economic recovery [62][63]

Exhibit 99.1 Banco de Chile and Subsidiaries Interim Consolidated Financial Statements For the periods ended as of June 30, 2023 and 2022 BANCO DE CHILE AND SUBSIDIARIES (Free translation of Consolidated Financial Statements originally issued in Spanish) INDEX | --- | --- | --- | |-----------------------------------------------|-----------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------- ...

Financial Data and Key Metrics Changes - Banco de Chile reported a net income of MXN 266 billion for Q1 2023, resulting in a return on equity (ROE) of 21.6%, a decline from previous high levels [25][38] - The bank maintained a strong capital position with a Basel III ratio of 17% and a Common Equity Tier 1 (CET1) ratio of 12.8% [35] - Operating revenues grew by 3% year-on-year but decreased by 13% compared to Q4 2022, primarily due to lower inflation [26][38] Business Line Data and Key Metrics Changes - Total loans increased by 8.2% year-on-year, with retail loans driving this growth, particularly mortgage loans which expanded by 11% [29] - Consumer loans saw a significant annual rise of almost 16%, while commercial loans increased by 5.1% year-on-year [30] - The bank's efficiency ratio improved to 37.6%, leading the industry in efficiency metrics [39] Market Data and Key Metrics Changes - The Chilean economy showed signs of recovery with a GDP decline slowing to 0.9% year-on-year in Q1 2023, compared to a 2.3% decline in the previous quarter [6][11] - The unemployment rate rose to 8.8%, reflecting a 100 basis point increase from the previous year, driven by a growing labor force [7] - The trade balance posted a surplus of $7.5 billion in Q1 2023, the best figure in 16 years, with exports increasing by 11% year-on-year [8] Company Strategy and Development Direction - Banco de Chile focuses on customer centricity, productivity, and sustainability, with ongoing digital transformation initiatives [16][17] - The bank aims to optimize costs by approximately 10% through a comprehensive sourcing plan and increased digital banking capabilities [19][20] - The strategy includes enhancing productivity through digital adoption and process standardization across various banking segments [21] Management's Comments on Operating Environment and Future Outlook - Management anticipates a gradual recovery in the Chilean economy starting in the second half of 2023, with a revised GDP forecast of -0.4% for the year [11][12] - Inflation is expected to decrease to 5% by the end of 2023, down from 12.8% in 2022, which will influence monetary policy and interest rates [12][40] - The bank remains cautious about potential economic uncertainties, including political developments and structural reforms [52] Other Important Information - Banco de Chile has a diversified asset and liability structure, with loans representing 67% of total assets and a low exposure to held-to-maturity financial instruments [32][33] - The bank's liquidity coverage ratio stood at 183%, significantly above regulatory requirements, indicating strong liquidity management [34] Q&A Session Summary Question: What can drive the improvement in NIM? - Management noted that higher interest rate expectations and inflation are key drivers for the increase in NIM, which is now expected to be around 4.6% for 2023 [42][44] Question: Do you have a specific target for efficiency over the medium-term? - Management indicated that a target efficiency ratio slightly below 45% is reasonable, with expectations for continued improvements through digital initiatives [47][49] Question: What are your thoughts on the additional provisions on the balance sheet? - Management emphasized the importance of maintaining a high level of additional provisions due to economic uncertainties, but expressed comfort with the current levels [50][52] Question: What is the expected normalized level of NIM by 2025? - Management suggested that a normalized NIM level would be around 4.5%, similar to pre-pandemic levels, as the loan mix stabilizes [60][62] Question: What ROE should we expect for this year? - Management expects ROE for 2023 to be around 20%, with a medium-term expectation of approximately 18% [60][62]

Banco de Chile EARNINGS PRESENTATION 1Q23 May 5 th, 2023 ŠÅŃŤIAGO: Economic & Banking Industry Overview A healthy macroeconomic adjustment… Monthly Economic Growth YoY, Ma3 -0.9% -20% -15% -10% -5% 0% 5% 10% 15% 20% 25% Mar-17Sep-17Mar-18Sep-18Mar-19Sep-19Mar-20Sep-20Mar-21Sep-21Mar-22Sep-22Mar-23 Unemployment Rate % of Labor Force 8.8% 0% 2% 4% 6% 8% 10% 12% 14% Mar-17Sep-17Mar-18Sep-18Mar-19Sep-19Mar-20Sep-20Mar-21Sep-21Mar-22Sep-22Mar-23 Economic Activity 2018=100 80 85 90 95 100 105 110 115 Mar-17Sep-17 ...

Exhibit 99.1 Banco de Chile and Subsidiaries Interim Consolidated Financial Statements For the periods ended as of March 31, 2023 and 2022 BANCO DE CHILE AND SUBSIDIARIES 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 Changes in Equity V. Interim Consolidated Statements of Cash Flows VI. Notes to the Interim Consolidated Financial Statements MCh$ = ...

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, 2022 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 ...

Banco de Chile (NYSE:BCH) Q4 2022 Earnings Conference Call February 3, 2023 10:30 AM ET Company Participants Rodrigo Aravena - Chief Economist & Senior Vice President of Institutional Investor Relations Pablo Mejia - Head of Investor Relations Daniel Galarce - Head of Financial Control & Capital Conference Call Participants Tito Labarta - Goldman Sachs Andres Soto - Santander Yuri Fernandes - JPMorgan Carlos Gomez - HSBC Operator Good afternoon, everyone, and welcome to Banco de Chile's Fourth Quarter 2022 ...

Exhibit 99.1 CONSOLIDATED FINANCIAL STATEMENTS for the years ended December 31, 2022 and 2021 BANCO DE CHILE AND SUBSIDIARIES INDEX I. Consolidated Statements of Financial Position II. Consolidated Statements of Income III. Consolidated Statements of Other Comprehensive Income IV. Consolidated Statements of Changes in Equity V. Consolidated Statements of Cash Flows VI. Notes to the Consolidated Financial Statements MCh$ = Millions of Chilean pesos ThUS$ = Thousands of U.S. dollars UF or CLF = Unidad de Fome ...