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 ...

[Consolidated Financial Statements](index=1&type=section&id=Consolidated%20Financial%20Statements) [Consolidated Statements of Financial Position](index=5&type=section&id=I.%20Consolidated%20Statements%20of%20Financial%20Position) Banco de Chile's total assets grew 6.76% to MCh$ 55,255,362 in 2022, with equity up 13.16% due to strong net income Consolidated Statement of Financial Position Highlights (in MCh$) | Financial Metric | 2022 | 2021 | YoY Change | | :--- | :--- | :--- | :--- | | **Total Assets** | **55,255,362** | **51,758,326** | **+6.76%** | | Loans to customers (Total) | 35,916,412 | 33,511,868 | +7.17% | | Cash and due from banks | 2,764,884 | 3,713,734 | -25.55% | | **Total Liabilities** | **50,397,035** | **47,464,804** | **+6.18%** | | Current accounts and other demand deposits | 13,383,232 | 18,249,881 | -26.67% | | Saving accounts and time deposits | 14,157,141 | 8,803,713 | +60.81% | | Debt financial instruments issued | 9,267,947 | 8,561,395 | +8.25% | | **Total Equity** | **4,858,327** | **4,293,522** | **+13.16%** | | Income for the year | 1,409,433 | 792,191 | +77.92% | [Consolidated Statements of Income](index=7&type=section&id=II.%20Consolidated%20Statements%20of%20Income) The bank's net income surged 77.9% to MCh$ 1,409,435 in 2022, driven by strong net interest income and UF indexation Consolidated Statement of Income Highlights (in MCh$) | Financial Metric | 2022 | 2021 | YoY Change | | :--- | :--- | :--- | :--- | | Net interest income | 1,279,666 | 1,098,397 | +16.50% | | Net income from UF indexation | 955,880 | 455,145 | +110.02% | | Total Operating Income | 3,115,793 | 2,199,024 | +41.69% | | Total Operating Expenses | (995,483) | (871,487) | +14.23% | | Credit loss expense | (435,118) | (357,065) | +21.86% | | **Net Income for the Year** | **1,409,435** | **792,192** | **+77.92%** | | Basic Earnings Per Share (Ch$) | 13.95 | 7.84 | +77.93% | [Consolidated Statements of Other Comprehensive Income](index=9&type=section&id=III.%20Consolidated%20Statements%20of%20Other%20Comprehensive%20Income) The bank reported a total other comprehensive loss of MCh$ (108,541) in 2022, primarily due to cash flow hedge losses, despite strong net income Other Comprehensive Income (Loss) Summary (in MCh$) | Component | 2022 | 2021 | | :--- | :--- | :--- | | Net Income for the Year | 1,409,435 | 792,192 | | **Total Other Comprehensive Income (Loss)** | **(108,541)** | **84,668** | | *Items that can be reclassified to P&L* | (108,592) | 85,270 | | - Cash flow hedges | (215,476) | 182,376 | | - Fair value changes of financial assets at FVOCI | 48,076 | (51,715) | | *Items not to be reclassified to P&L* | 51 | (602) | | **Consolidated Comprehensive Income** | **1,300,894** | **876,860** | [Consolidated Statements of Changes in Equity](index=10&type=section&id=IV.%20Consolidated%20Statements%20of%20Changes%20in%20Equity) Total equity increased to MCh$ 4,858,327 in 2022, driven by net income, partially offset by dividend payments and other comprehensive losses Key Changes in Equity for 2022 (in MCh$) | Description | Amount | | :--- | :--- | | **Opening Balance (Jan 1, 2022)** | **4,293,522** | | Comprehensive Income for the year | 1,300,894 | | - Net Income for the year 2022 | 1,409,433 | | - Other comprehensive income for the year | (108,541) | | Transactions with owners during the year | (736,089) | | - Provision for payment of common stock dividends | (520,158) | | - Payment of common stock dividends | (216,070) | | **Closing Balance (Dec 31, 2022)** | **4,858,327** | [Consolidated Statements of Cash Flows](index=11&type=section&id=V.%20Consolidated%20Statements%20of%20Cash%20Flows) The bank reported a net cash outflow of MCh$ (333,581) from operating activities in 2022, leading to a MCh$ 1,221,448 decrease in cash and cash equivalents Consolidated Statement of Cash Flows Summary (in MCh$) | Cash Flow Activity | 2022 | 2021 | | :--- | :--- | :--- | | **Net Cash from Operating Activities** | **(333,581)** | **1,253,885** | | **Net Cash from Investing Activities** | **(72,637)** | **(71,867)** | | **Net Cash from Financing Activities** | **(815,230)** | **(306,618)** | | Variation in Cash and Cash Equivalents | (1,221,448) | 875,400 | | Opening Balance of Cash and Cash Equivalents | 7,288,827 | 6,088,462 | | **Final Balance of Cash and Cash Equivalents** | **6,105,389** | **7,288,827** | [Notes to the Consolidated Financial Statements](index=13&type=section&id=VI.%20Notes%20to%20the%20Consolidated%20Financial%20Statements) [Note 1: Company Information](index=13&type=section&id=1.%20Company%20information) Banco de Chile is a Chilean commercial bank regulated by the CMF and SEC, offering diverse banking and financial services through its operations and subsidiaries - Banco de Chile is a commercial bank in Chile, regulated by the CMF and the SEC[22](index=22&type=chunk) - The bank offers a broad range of banking and financial services through its main operations and various subsidiaries[22](index=22&type=chunk) [Note 2: Summary of Significant Accounting Principles](index=14&type=section&id=2.%20Summary%20of%20Significant%20Accounting%20Principles) The bank's financial statements adhere to Chilean CMF accounting principles, which largely align with IFRS, covering key policies for financial instruments and credit risk allowances - The bank's accounting adheres to standards from the Chilean CMF, which are based on IFRS. In case of conflict, CMF rules prevail[25](index=25&type=chunk) - Financial assets are classified and measured based on the entity's business model and the asset's contractual cash flow characteristics (SPPI test), in line with IFRS 9[38](index=38&type=chunk) - Allowances for loan losses are determined using individual and group analysis models as stipulated by the CMF, which differ from the standard IFRS 9 impairment model for loans and advances to customers[56](index=56&type=chunk)[91](index=91&type=chunk) [Financial Assets and Liabilities](index=18&type=section&id=2.d%20Financial%20Assets%20and%20Liabilities) Financial assets are classified under IFRS 9 based on business model and cash flow characteristics, with impairment following the ECL model, except for customer loans which use CMF regulations - Financial assets are classified based on two criteria: the business model for managing the assets and the contractual cash flow characteristics (SPPI test)[38](index=38&type=chunk) - The impairment model for financial assets (excluding customer loans) is based on a three-stage Expected Credit Loss (ECL) model as per IFRS 9, recognizing either 12-month or lifetime ECL depending on credit risk deterioration[91](index=91&type=chunk)[92](index=92&type=chunk) - For loans to customers, the bank uses CMF-stipulated models for credit risk allowances, which involve classifying debtors into Normal, Substandard, and Non-complying categories, rather than the standard IFRS 9 ECL model[54](index=54&type=chunk)[91](index=91&type=chunk) [Credit Risk Allowance](index=23&type=section&id=2.d.v%20Credit%20risk%20allowance) Credit risk allowances are determined by CMF guidelines, using individual evaluations for corporate debtors and group evaluations for retail and smaller commercial loans Expected Loss Percentages for Individually Assessed Loans | Classification | Category | Probability of Default (PD) % | Loss Given Default (LGD) % | Expected Loss (EL) % | | :--- | :--- | :--- | :--- | :--- | | Normal Loans | A1 - A6 | 0.04 - 10.00 | 82.5 - 90.0 | 0.036 - 9.000 | | Substandard Loans | B1 - B4 | 15.00 - 45.00 | 92.5 - 97.5 | 13.875 - 43.875 | Allowance Percentages for Non-Complying Loans | Classification | Expected Loss Range | Allowance % | | :--- | :--- | :--- | | C1 | Up to 3% | 2 | | C2 | >3% up to 20% | 10 | | C3 | >20% up to 30% | 25 | | C4 | >30% up to 50% | 40 | | C5 | >50% up to 80% | 65 | | C6 | More than 80% | 90 | - Group evaluations for retail portfolios (mortgage, consumer, small commercial) use standardized methods based on factors like days past due and collateral-to-value ratios to determine provision factors[67](index=67&type=chunk)[69](index=69&type=chunk) [Note 3: New Accounting Pronouncements](index=55&type=section&id=3.%20New%20Accounting%20Pronouncements%20Issued%20and%20Adopted,%20or%20Issued%20that%20have%20not%20yet%20been%20Adopted) The bank adopted the new CMF Compendium of Accounting Standards (CNCB) in 2022, aligning with IFRS 9 and significantly impacting equity, while other new standards are expected to have minimal financial effect - The most significant change adopted was the new Compendium of Accounting Standards for Banks (CNCB) issued by the CMF, effective January 1, 2022. This update aimed for greater convergence with IFRS, particularly IFRS 9[151](index=151&type=chunk) - The application of the new CNCB instructions resulted in a net increase in equity of **MCh$70,508 million** as of January 1, 2022, mainly from the valuation of financial assets under IFRS 9 and changes to provisions for contingent credits[153](index=153&type=chunk) - Upcoming standards effective January 1, 2023, include amendments to IAS 1, IAS 8, and IAS 12. The bank anticipates these will primarily impact disclosures rather than have a material financial effect[165](index=165&type=chunk) [Note 4: Accounting Changes](index=63&type=section&id=4.%20Accounting%20Changes) Effective January 1, 2022, the bank adopted the updated CNCB incorporating IFRS 9, leading to significant reclassifications and a net MCh$ 70,508 million increase in equity - The bank adopted the new CNCB, incorporating IFRS 9, effective January 1, 2022, with a transition date of January 1, 2021[170](index=170&type=chunk) Reconciliation of Equity Impact (in MCh$) | Description | Jan 1, 2021 | Dec 31, 2021 | | :--- | :--- | :--- | | Equity before regulatory changes | 3,726,268 | 4,223,014 | | **Total adjustments** | **3,620** | **70,508** | | - Financial assets at amortized cost | — | 57,215 | | - Modification of provision for credit lines | — | 14,621 | | - Fair value adjustment of equity instruments | 4,958 | 3,589 | | - Deferred taxes on adjustments | (1,338) | (4,917) | | **Total adjusted equity** | **3,729,888** | **4,293,522** | - Major reclassifications included moving 'Financial assets held-for-trading' and 'available-for-sale' to new IFRS 9 categories, and separating 'Derivative instruments' into trading and hedging purposes[183](index=183&type=chunk) [Note 5: Relevant Events](index=73&type=section&id=5.%20Relevant%20Events) In 2022, Banco de Chile approved dividends, sold its stake in Operadora de Tarjeta de Crédito Nexus S.A., liquidated Banchile Securitizadora S.A., and issued senior bonds - A dividend of **Ch$5.34 per share**, totaling **68.1% of 2021 profits**, was approved and paid on March 31, 2022[195](index=195&type=chunk) - The bank sold **100%** of its shares in the banking support company 'Operadora de Tarjeta de Crédito Nexus S.A.' on September 30, 2022[195](index=195&type=chunk) - The liquidation process for the subsidiary Banchile Securitizadora S.A. was completed, with capital returned to shareholders on July 29, 2022, and the entity's termination of business certified in December 2022[195](index=195&type=chunk)[197](index=197&type=chunk) [Note 6: Business Segments](index=75&type=section&id=6.%20Business%20Segments) The bank operates across four segments: Retail, Wholesale, Treasury, and Subsidiaries, with all segments showing significant growth in income from operations in 2022 - The bank is organized into four business segments: Retail (individuals and SMEs), Wholesale (large corporations), Treasury (investment portfolio and financial transactions), and Subsidiaries (complementary businesses)[200](index=200&type=chunk) Income from Operations by Segment (in MCh$) | Segment | 2022 | 2021 | YoY Change | | :--- | :--- | :--- | :--- | | Retail | 766,259 | 498,965 | +53.6% | | Wholesale | 716,886 | 346,747 | +106.7% | | Treasury | 97,698 | 43,428 | +125.0% | | Subsidiaries | 104,349 | 81,332 | +28.3% | | **Total** | **1,685,192** | **970,472** | **+73.6%** | [Note 13: Financial Assets at Amortized Cost](index=90&type=section&id=13.%20Financial%20assets%20at%20amortized%20cost) Financial assets at amortized cost, primarily customer loans, increased to MCh$ 39,046,943 in 2022, with commercial loans being the largest component Composition of Financial Assets at Amortized Cost (in MCh$) | Category | 2022 | 2021 | | :--- | :--- | :--- | | Loans to customers (Gross) | 36,694,804 | 34,230,117 | | - Commercial loans | 20,285,710 | 19,634,756 | | - Residential mortgage loans | 11,416,154 | 10,346,652 | | - Consumer loans | 4,992,940 | 4,248,709 | | Provisions for credit risk | (778,392) | (718,249) | | **Loans to customers (Net)** | **35,916,412** | **33,511,868** | | Loans and advances to Banks | 2,174,115 | 1,529,313 | | Debt financial instruments | 902,355 | 839,744 | | Rights by resale agreements | 54,061 | 64,365 | | **Total** | **39,046,943** | **35,945,290** | - The bank's loan portfolio is diversified across several economic sectors, with Financial Services, Real Estate Services, and Wholesale being the largest concentrations within commercial loans[284](index=284&type=chunk) [Note 47: Risk Management and Report](index=196&type=section&id=47.%20Risk%20Management%20and%20Report) Banco de Chile maintains a comprehensive risk management framework, overseen by the Board and committees, to identify and control credit, market, and operational risks, including annual stress tests - The bank's risk management is governed by the Board of Directors and specialized committees, ensuring a disciplined control environment for credit, market, and operational risks[535](index=535&type=chunk) - Credit risk is managed through the entire credit lifecycle (admission, monitoring, recovery) with distinct methodologies for Retail segments (scoring tools, group evaluation) and Wholesale segments (individual evaluation, rating models)[555](index=555&type=chunk)[559](index=559&type=chunk)[563](index=563&type=chunk) - The bank annually reviews its Risk Appetite Framework and conducts stress tests as part of its capital planning process to ensure sufficient capital to cover risks under various scenarios, in line with regulatory requirements[552](index=552&type=chunk)

Exhibit 99.1 Banco de Chile and Subsidiaries Interim Consolidated Financial Statements For the periods ended as of September 30, 2022 and 2021 BANCO DE CHILE AND SUBSIDIARIES 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 Changes in Equity V. Interim Consolidated Statements of Cash Flows VI. Notes to the Interim Consolidated Financial Stateme ...

Exhibit 99.1 Banco de Chile and Subsidiaries Interim Consolidated Financial Statements For the periods ended as of June 30, 2022 and 2021 BANCO DE CHILE AND SUBSIDIARIES INDEX (Free translation of Consolidated Financial Statements originally issued in Spanish) | --- | --- | --- | |----------------|--------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------| | | | | | | I ...

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, 2021 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 ...

Exhibit 99.1 Banco de Chile and Subsidiaries Interim Consolidated Financial Statements For the periods ended as of March 31, 2022 and 2021 BANCO DE CHILE AND SUBSIDIARIES 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 Changes in Equity V. Interim Consolidated Statements of Cash Flows VI. Notes to the Interim Consolidated Financial Statements ...