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 ...

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 ...

Financial Data and Key Indicators Changes - Banco de Chile achieved a record net income of CLP 793 billion in 2021, representing a 71% increase compared to 2020 [16][28] - The bank's return on equity (ROE) for the full year was 20.2%, surpassing competitors [28] - Operating revenues grew nearly 30% quarter-on-quarter and 15% year-on-year, driven by inflation and improved demand for higher-margin products [29][30] Business Line Data and Key Indicators Changes - Total loans reached CLP 34.3 trillion, an 11% increase year-on-year, with commercial loans growing by 11.8% and mortgage loans by 10.2% [32] - Consumer loans saw a recovery with a 5.6% quarter-on-quarter growth, attributed to improved economic conditions [33] - The bank's efficiency ratio improved to 39.8%, a significant reduction from previous years, indicating better cost management [39][40] Market Data and Key Indicators Changes - The Chilean banking industry saw a nominal loan growth of 10.1% year-on-year, with mortgage loans increasing by 15.5% [14] - The overall economic environment in Chile showed a GDP growth of approximately 12% in 2021, with expectations of a slowdown to 2.2% in 2022 [6][12] - Inflation rates rose to 7.2% year-on-year by December 2021, prompting the Central Bank to increase interest rates from 0.5% to 4% [10][12] Company Strategy and Development Direction - Banco de Chile focuses on creating a sustainable bank with a long-term strategy, emphasizing customer-centric approaches and prudent risk management [28][45] - The bank aims to enhance its digital banking capabilities, having introduced new smart payment platforms and digital onboarding processes [21][22] - The commitment to ESG initiatives is a fundamental pillar, with various projects aimed at promoting sustainability and community support [18][20] Management's Comments on Operating Environment and Future Outlook - Management anticipates that inflation will remain elevated in the first half of 2022, with potential impacts on margins and profitability [50][51] - The bank expects a transitional year in 2022, with lower levels of cost of risk due to strong customer payment behavior [74] - There is a cautious outlook regarding local political factors and their potential impact on economic conditions [13][70] Other Important Information - Banco de Chile's Tier 1 capital ratio stands at 13%, significantly higher than peers, allowing for competitive funding [35] - The bank has established CLP 220 billion in additional provisions to maintain a strong coverage ratio amid economic uncertainties [36][74] - The bank's effective tax rate was lower in 2021 due to inflation, with expectations to normalize in the future [62][69] Q&A Session Summary Question: Outlook for inflation and interest rates - Management indicated that inflation is a significant factor for results, with expectations of continued elevated levels in the first half of 2022, which could positively impact net interest margins [47][48] Question: Impact of Citigroup's exit from retail banking - Banco de Chile maintains a strong relationship with Citigroup, focusing on corporate banking and international business opportunities, with no expected changes in their partnership [66][67] Question: Current trend of cost of risk - The bank expects a transitional period with lower levels of cost of risk in 2022, around 1.0%, due to strong customer payment behavior [74]

Banco de Chile (NYSE:BCH) Q3 2021 Earnings Conference Call November 5, 2021 11:30 AM ET Company Participants Rodrigo Aravena - Chief Economist and Senior Vice President of Institutional Investor Relations Pablo Mejia - Head of Investor Relations Conference Call Participants Jason Mollin - Scotiabank Tito Labarta - Goldman Sachs Ernesto Gabilondo - BofA Merrill Lynch Yuri Fernandes - J.P. Morgan Asset Management, Inc. Jorge Henderson - Banco Santander, S.A. Alonso Garcia - Credit Suisse Operator Good afterno ...

Exhibit 99.1 Banco de Chile and Subsidiaries Interim Consolidated Financial Statements For the periods ended as of June 30, 2021 and 2020 and December 31, 2020 BANCO DE CHILE AND SUBSIDIARIES INDEX (Free translation of Consolidated Financial Statements originally issued in Spanish) | --- | --- | --- | |-------|-----------------------------------------------|--------------------------------------------------------------------------------------------| | | | | | | Interim Consolidated | Statements of Income | ...

PART I [Item 3. Key Information](index=9&type=section&id=Item%203%20Key%20Information) This section presents selected financial data for 2018-2020, highlighting a significant 2020 net income decrease due to increased loan loss provisions and lower net interest income, alongside a comprehensive list of operational, industry, and economic risks, particularly from COVID-19 [Selected Financial Data](index=9&type=section&id=Selected%20Financial%20Data) Net income decreased **33.4%** to **Ch$401,630 million** in 2020, driven by a **65.0%** rise in loan loss provisions, while total assets grew **11.1%** to **Ch$45,550,960 million** Consolidated Statement of Income Data (IFRS, in Ch$ millions) | Indicator | 2018 | 2019 | 2020 | | :--- | :--- | :--- | :--- | | Net interest income | 1,320,977 | 1,371,278 | 1,316,788 | | Provisions for loan losses | (249,771) | (331,601) | (547,106) | | Total operating expenses | (839,708) | (902,250) | (877,752) | | Income before income taxes | 763,402 | 777,406 | 504,853 | | **Net income for the year** | **603,634** | **603,745** | **401,630** | | Earnings per share (Ch$) | 5.98 | 5.98 | 3.98 | Consolidated Statement of Financial Position Data (IFRS, in Ch$ millions) | Indicator | As of Dec 31, 2019 | As of Dec 31, 2020 | | :--- | :--- | :--- | | Total assets | 41,013,874 | 45,550,960 | | Loans to customers, net | 29,384,039 | 30,101,583 | | Total liabilities | 37,108,113 | 41,553,879 | | Total equity | 3,905,761 | 3,997,081 | Consolidated Ratios | Ratio | 2018 | 2019 | 2020 | | :--- | :--- | :--- | :--- | | Net interest margin | 4.35% | 4.13% | 3.50% | | Return on average equity | 16.78% | 15.15% | 10.10% | | Allowances for loan losses as a % of total loans | 2.10% | 2.16% | 2.70% | [Risk Factors](index=12&type=section&id=Risk%20Factors) Key risks include increased loan losses, Basel III regulatory constraints, intense competition, and significant adverse impacts from the COVID-19 pandemic, alongside cybersecurity threats and Chilean political instability - The COVID-19 pandemic is a major risk factor, impacting the global and Chilean economies, which could adversely affect the bank's business, results of operations, and financial condition. The pandemic led to a **5.8% GDP contraction in Chile in 2020**, increased unemployment, and a significant rise in provisions for loan losses[53](index=53&type=chunk)[54](index=54&type=chunk)[55](index=55&type=chunk) - Regulatory changes, particularly the adoption of Basel III guidelines, may impose stricter capital adequacy, liquidity, and credit risk provisioning requirements, potentially constraining operations and affecting financial results. The implementation timeline for Basel III has been delayed by one year due to COVID-19, with new requirements starting in **December 2021**[25](index=25&type=chunk)[27](index=27&type=chunk) - Growth in riskier loan segments, such as retail banking, exposes the bank to higher potential loan losses. In 2020, allowances for loan losses increased by **28.8% to Ch$836,107 million**, mainly due to the economic contraction caused by the COVID-19 pandemic, which deteriorated the risk profiles of individuals and companies[22](index=22&type=chunk) - Political and social instability in Chile, including the social unrest of October 2019 and the ongoing process to draft a new constitution, presents a significant risk. These events could lead to slower economic growth, increased volatility, and negatively impact asset quality and profitability[62](index=62&type=chunk)[63](index=63&type=chunk) - The bank faces cybersecurity risks, highlighted by a 2018 incident that resulted in a **Ch$6,900 million operational write-off**. The shift to remote work due to COVID-19 has heightened these risks, prompting reinforced security measures and the creation of a dedicated Cybersecurity Division[41](index=41&type=chunk)[42](index=42&type=chunk) [Item 4. Information on the Company](index=36&type=section&id=Item%204%20Information%20on%20the%20Company) This section details Banco de Chile's history, business structure, competitive strengths, and strategic priorities, emphasizing its strong brand, leading market position, and customer-centric digital transformation, alongside regulatory overview and loan portfolio statistics [History and Development of the Bank](index=36&type=section&id=History%20and%20Development%20of%20the%20Bank) Founded in 1893, Banco de Chile's history includes key mergers, full repayment of Central Bank subordinated debt in **2019**, and significant investment in digital transformation, with **Ch$47,102 million** in 2020 capital expenditures - In 2020, the bank launched the FAN account, a fully digital onboarding bank account, to promote financial inclusion and strengthen its market-leading position in demand deposits. This initiative attracted over **150,000 users** by year-end[75](index=75&type=chunk)[113](index=113&type=chunk) - A significant historical event was the full repayment of the Central Bank subordinated debt on **April 30, 2019**. This event led to the dissolution of SAOS and the liquidation of SM-Chile, simplifying the ownership structure and increasing the stock's free-float[75](index=75&type=chunk)[85](index=85&type=chunk)[87](index=87&type=chunk) Capital Expenditures (in Ch$ millions) | Category | 2018 | 2019 | 2020 | | :--- | :--- | :--- | :--- | | Computer equipment | 12,702 | 28,117 | 20,658 | | Software | 23,512 | 20,928 | 18,631 | | **Total** | **51,577** | **64,440** | **47,102** | [Business Overview](index=45&type=section&id=Business%20Overview) The bank operates through Retail, Wholesale, Treasury, and Subsidiaries segments, with Retail comprising **64.1%** of the loan portfolio, leveraging strong brand, leading market positions, and superior asset quality with a **0.97%** delinquency ratio Loan Portfolio and Income by Business Segment (2020, in Ch$ millions) | Business Segment | % of Total Loans | Income before Income Tax (millions of Ch$) | | :--- | :--- | :--- | | Retail market | 64.1% | 271,384 | | Wholesale market | 35.8% | 187,318 | | Treasury and money market | – | 64,936 | | Operations through subsidiaries | 0.1% | 65,434 | - The bank holds a leading market position in several key areas as of **December 31, 2020**, including **1 in demand deposits (20.8% share)**, **1 in mutual funds management (24.2% share)**, and **1 in net fees and commissions income (22.5% share)**[90](index=90&type=chunk)[91](index=91&type=chunk) - Asset quality is a key strength. As of **December 31, 2020**, the bank's delinquency ratio (loans 90+ days past due) was **0.97%**, significantly below the industry average of **1.70%** (excluding Banco de Chile). Its coverage ratio was **249.5%**, well above the industry average of **163.2%**[99](index=99&type=chunk) [Regulation and Supervision](index=90&type=section&id=Regulation%20and%20Supervision) The Chilean banking system is regulated by the CMF and Central Bank, with phased Basel III implementation introducing stricter capital requirements starting **December 2021**, covering capital adequacy, lending limits, liquidity, and market risk, which the bank met with a **16.0%** Regulatory Capital ratio in 2020 - The implementation of Basel III guidelines is a key regulatory change, introducing new capital requirements such as CET1, Tier 1, and Tier 2 ratios, along with conservation and potential countercyclical buffers. The phase-in period was postponed due to COVID-19 and is now set to begin in **December 2021**[227](index=227&type=chunk)[229](index=229&type=chunk) - The primary regulatory bodies are the Financial Market Commission (CMF), which replaced the SBIF in 2019, and the Central Bank of Chile. The CMF oversees the entire financial market, including banks, securities, and insurance[217](index=217&type=chunk)[219](index=219&type=chunk) - The bank is subject to specific capital requirements, including maintaining a Regulatory Capital ratio of at least **10% of risk-weighted assets**. As of **December 31, 2020**, the bank's ratio was **16.0%**, well above the requirement[226](index=226&type=chunk)[338](index=338&type=chunk) [Selected Statistical Information](index=112&type=section&id=Selected%20Statistical%20Information) In 2020, average interest-earning assets grew to **Ch$37.7 trillion**, but NIM declined to **3.55%**; past-due loans decreased to **0.97%** due to pandemic support, while loan loss allowances increased to **2.70%**, reflecting heightened credit risk Loan Portfolio Composition (as of Dec 31, in Ch$ millions) | Loan Type | 2019 (millions of Ch$) | 2020 (millions of Ch$) | | :--- | :--- | :--- | | Commercial loans | 16,294,212 | 17,601,597 | | Mortgage loans | 9,206,727 | 9,387,372 | | Consumer loans | 4,532,333 | 3,948,721 | | **Total loans** | **30,033,272** | **30,937,690** | Analysis of Allowances for Loan Losses (in Ch$ millions) | Indicator | 2018 | 2019 | 2020 | | :--- | :--- | :--- | :--- | | Allowances at beginning of period | 495,821 | 585,378 | 649,233 | | Allowances established | 309,621 | 377,055 | 519,959 | | **Allowances at end of period** | **585,378** | **649,233** | **836,107** | | % of total loans | 2.10% | 2.16% | 2.70% | - Total past-due loans (**90 days or more**) decreased significantly in 2020 to **Ch$299,408 million** from **Ch$418,768 million** in 2019. This was primarily due to government relief measures and loan rescheduling programs offered to customers affected by the COVID-19 pandemic[313](index=313&type=chunk) [Item 5. Operating and Financial Review and Prospects](index=142&type=section&id=Item%205%20Operating%20and%20Financial%20Review%20and%20Prospects) This section analyzes the **33.5%** decrease in 2020 net income, driven by increased loan loss provisions and lower net interest income due to COVID-19, covering critical accounting policies, segment performance, liquidity, capital resources, and ongoing pandemic impacts [Operating Results](index=142&type=section&id=Operating%20Results) Net income fell **33.5%** to **Ch$401,630 million** in 2020, primarily due to a **65.0%** increase in loan loss provisions and a **4.0%** decrease in net interest income, while the Treasury segment's income surged **188.1%** - Net income for 2020 was **Ch$401,630 million**, a **33.5% decrease** from 2019. This was primarily caused by a **65.0% increase in provisions for loan losses** and a **4.0% decrease in net interest income**, reflecting the economic impact of the COVID-19 pandemic[366](index=366&type=chunk) - The bank implemented a Support Plan for customers affected by COVID-19, rescheduling **Ch$414,155 million** in loan installments and granting nearly **Ch$1,890,000 million** in government-guaranteed (FOGAPE-COVID) loans as of **December 31, 2020**[355](index=355&type=chunk) - The Retail Banking segment's income before tax decreased by **22.7%** in 2020, driven by lower income from consumer loans and demand deposits. The Wholesale Banking segment's income before tax fell by **38.9%**, mainly due to a significant increase in loan loss provisions[406](index=406&type=chunk)[407](index=407&type=chunk)[414](index=414&type=chunk) - The Treasury and Money Market segment's income before tax increased by **188.1%** in 2020, benefiting from proactive management that capitalized on interest rate volatility and marking-to-market gains in its investment portfolio[406](index=406&type=chunk)[416](index=416&type=chunk) [Liquidity and Capital Resources](index=178&type=section&id=Liquidity%20and%20Capital%20Resources) The bank maintains sound liquidity, with customer deposits comprising **56.1%** of liabilities in 2020; net cash used in operating activities was **Ch$2.47 trillion**, shifting from an inflow, yet the bank fully complied with all regulatory liquidity and capital requirements, holding **Ch$1,821,843 million** in excess capital - The bank's primary funding sources are customer deposits (current accounts, demand, savings, and time deposits) and debt issuances. In 2020, customer deposits represented **56.1% of average total liabilities**[443](index=443&type=chunk) - In 2020, the bank utilized Central Bank liquidity facilities (FCIC program) established in response to the COVID-19 pandemic, borrowing approximately **Ch$3,110,600 million** at a low interest rate of **0.5%**[430](index=430&type=chunk) Capital Adequacy (Chilean GAAP, in Ch$ millions) | Indicator | As of Dec 31, 2019 | As of Dec 31, 2020 | | :--- | :--- | :--- | | Total Regulatory Capital | 4,569,090 | 4,878,500 | | Total Regulatory Capital required | (3,230,734) | (3,056,657) | | **Excess over minimum** | **1,338,356** | **1,821,843** | [Trend Information](index=188&type=section&id=Trend%20Information) The ongoing COVID-19 pandemic remains the dominant trend, creating uncertainty for 2021 economic recovery despite government and Central Bank support measures like FCIC and FOGAPE loan programs, and pension fund withdrawals, whose long-term effects are uncertain - The COVID-19 pandemic continues to be the dominant trend, with a recent increase in cases in Chile leading to new mobility restrictions and lockdowns, creating uncertainty for the 2021 economic recovery[446](index=446&type=chunk) - Chilean authorities have implemented significant support measures, including the Central Bank's FCIC lending facility and the government's FOGAPE loan guarantee programs (FOGAPE-COVID and FOGAPE-REACTIVA), to ensure liquidity and support credit flow to businesses[448](index=448&type=chunk)[452](index=452&type=chunk) - The Chilean Congress approved multiple withdrawals from individual pension fund accounts (two in 2020, a third in **April 2021**) to provide financial relief to citizens, injecting significant liquidity into the economy but with uncertain long-term consequences[454](index=454&type=chunk) [Item 6. Directors, Senior Management and Employees](index=194&type=section&id=Item%206%20Directors,%20Senior%20Management%20and%20Employees) This section details the 11-member Board of Directors, chaired by Pablo Granifo L., with representation from Quiñenco S.A. and Citigroup, and outlines board committees; as of **December 31, 2020**, the bank had **13,134 employees**, with **75.2%** unionized - The Board of Directors is composed of **11 members** and **2 alternates**. Pablo Granifo L. serves as Chairman, and key directors represent the interests of the main shareholder groups, Quiñenco S.A. (Luksic family) and Citigroup Inc[461](index=461&type=chunk)[462](index=462&type=chunk) Board of Directors Compensation (Year ended Dec 31, 2020, in Ch$ millions) | Category | Amount (in millions of Ch$) | | :--- | :--- | | Remuneration | 1,290 | | Fees for Attending Meetings | 320 | | Board of Directors of Subsidiaries | 1,178 | | Consulting | 7 | | **Total** | **2,795** | - As of **December 31, 2020**, the company had **13,134 employees** on a consolidated basis, a decrease from 13,562 in 2019. Of these, **75.2% were unionized**. The bank successfully renegotiated collective bargaining agreements with several unions during 2020 and early 2021[511](index=511&type=chunk)[513](index=513&type=chunk) [Item 7. Major Shareholders and Related Party Transactions](index=214&type=section&id=Item%207%20Major%20Shareholders%20and%20Related%20Party%20Transactions) This section details the bank's ownership, with LQIF and its affiliate holding a **51.15%** controlling stake as of **April 23, 2021**, jointly owned by Quiñenco S.A. (controlling) and Citigroup, outlining strategic partnership agreements and related party transactions totaling **Ch$369,248 million** in loans - The controlling shareholder is LQ Inversiones Financieras S.A. (LQIF), which, along with its affiliate, owned **51.15% of the bank's shares** as of **April 23, 2021**. LQIF is **50% owned by Quiñenco S.A.** and **50% by Citigroup**, but Quiñenco retains control of LQIF and, consequently, Banco de Chile[514](index=514&type=chunk)[518](index=518&type=chunk) - The bank maintains several key agreements with Citigroup, including a Global Connectivity Agreement, Cooperation Agreement, and Master Services Agreement, which frame their strategic partnership and provide for reciprocal services and business referrals[521](index=521&type=chunk)[523](index=523&type=chunk)[525](index=525&type=chunk) - As of **December 31, 2020**, the bank held an aggregate of **Ch$369,248 million in loans to related parties**. These transactions are conducted in the ordinary course of business on terms substantially the same as those for non-related parties[528](index=528&type=chunk) [Item 8. Financial Information](index=221&type=section&id=Item%208%20Financial%20Information) This section covers legal proceedings, noting an ongoing appeal regarding a fine for Banchile Corredores de Bolsa S.A., and dividend distributions, with a **Ch$2.18 per share** dividend approved for 2020, representing a **60%** payout of distributable net income - The bank's subsidiary, Banchile Corredores de Bolsa S.A., is involved in a legal proceeding regarding a fine for an alleged infringement of the Securities Market Law. A civil court reduced the initial fine from **UF 50,000 to UF 7,500**, but the judgment is currently under appeal by both parties[530](index=530&type=chunk) Cash Dividends Declared per Common Share (in Ch$) | Year | Average Dividend per Share | | :--- | :--- | | 2018 | 3.76 | | 2019 | 3.53 | | 2020 | 3.47 | - In **March 2021**, shareholders approved a dividend of **Ch$2.1805 per share** against 2020 net distributable income. The board's policy is to provision for a minimum dividend equivalent to **60% of the distributable net income** generated each fiscal year[535](index=535&type=chunk)[537](index=537&type=chunk) [Item 9. The Offer and Listing](index=225&type=section&id=Item%209%20The%20Offer%20and%20Listing) This section describes the trading markets for the company's securities, with common stock on Chilean exchanges and American Depositary Shares (ADSs) listed on the NYSE under "BCH", each representing **200 common shares**, including historical price data - The company's common stock is traded on Chilean stock exchanges, primarily the Santiago Stock Exchange. Its American Depositary Shares (ADSs) are listed on the NYSE under the ticker **"BCH"**[540](index=540&type=chunk) - Each ADS represents **200 shares of common stock**. This ratio was changed from 1-for-600 to 1-for-200 effective **November 23, 2018**[540](index=540&type=chunk)[597](index=597&type=chunk) ADS Price History (NYSE, U.S.$ per ADS) | Year | High | Low | | :--- | :--- | :--- | | 2018 | 105.50 | 27.88 | | 2019 | 32.48 | 19.78 | | 2020 | 22.40 | 13.62 | [Item 10. Additional Information](index=228&type=section&id=Item%2010%20Additional%20Information) This section provides supplementary details on corporate structure, exchange controls, and taxation, summarizing bylaws, shareholder rights, Central Bank exchange regulations, and Chilean tax implications for foreign holders, including a **35%** dividend withholding tax with potential corporate tax credit - Chilean law requires a preemptive rights offering to existing shareholders for any new issuance of shares for cash. The company will evaluate whether to register these rights for ADS holders on a case-by-case basis[553](index=553&type=chunk)[555](index=555&type=chunk) - Foreign exchange transactions, including the remittance of dividends and capital, must be conducted through the Formal Exchange Market and reported to the Central Bank of Chile. Currently, there are no major restrictions on repatriation of funds for foreign investors[563](index=563&type=chunk)[565](index=565&type=chunk) - Cash dividends paid to foreign holders are subject to a **35% Chilean Withholding Tax**. This can be partially offset by a tax credit for the corporate tax paid by the bank. Foreign holders from countries with a Double Taxation Avoidance Treaty with Chile (including the U.S., pending ratification) can use **100% of the corporate tax as a credit**[568](index=568&type=chunk) [Item 15 & 16. Controls, Procedures and Corporate Governance](index=252&type=section&id=Item%2015%20%26%2016.%20Controls,%20Procedures%20and%20Corporate%20Governance) This section addresses internal controls and corporate governance, with management concluding effectiveness as of **December 31, 2020**, and EY Audit SpA issuing an unqualified report; it details the Code of Ethics, principal accountant fees, and compliance with NYSE corporate governance standards, noting foreign private issuer differences - Management assessed the company's internal control over financial reporting as effective as of **December 31, 2020**, based on the COSO 2013 framework. The independent registered public accounting firm, EY Audit SpA, concurred with this assessment[601](index=601&type=chunk)[602](index=602&type=chunk) - The company has determined that Mr. Alfredo Ergas, a member of the Directors/Audit Committee, qualifies as an **"audit committee financial expert"** under SEC rules[602](index=602&type=chunk) Principal Accountant Fees (in Ch$ millions) | Fee Type | 2018 | 2019 | 2020 | | :--- | :--- | :--- | :--- | | Audit fees | 756 | 817 | 772 | | Tax fees | 42 | 21 | 22 | | Other fees | 129 | 182 | – | | **Total fees** | **927** | **1,020** | **794** |

Economic & Banking Industry Overview - Chile's GDP is projected to grow by 5.3% in 2021, following a -6.0% contraction in 2020 [9] - The unemployment rate is shown with monthly data points from Jan-20 to Dec-20 [4] Strategic Priorities and Advances - The company is ranked 1 in Demand Deposit Accounts (DDA) among peers, holding a 21% market share [18] - Banchile Mutual Funds holds the 1 position in Assets Under Management (AUM) with a 24% market share [18] - The company has the lowest delinquency rate among peers, registering at 0.97% [18] - The company's coverage ratio is the highest among peers, covering 356% of loans considering additional provisions [18] - The bank granted US$2.6 billion in Fogape COVID-19 loans to SMEs [18, 34] - Approximately 464,000 personal banking loans were rescheduled through the Customer Support Plan [19, 34] - Cuenta FAN, the digital account, acquired ~170,000 new users since its launch in Sep-20 [20, 23] Financial Performance - The bank's Tier 1 Capital Ratio is at 16% [18] - The Net Fees/Avg Interest Earnings Assets is 1.2% as of December 2020 [44] - The Efficiency Ratio (Cost to Income) is 45.5% [71]

Banco de Chile (NYSE:BCH) Q4 2020 Earnings Conference Call February 5, 2021 10:30 AM ET Company Participants Rodrigo Aravena - Chief Economist and SVP of Institutional Relations Pablo Mejia - Head of IR Conference Call Participants Yuri Fernandes - JPMorgan Tito Labarta - Goldman Sachs Neha Agarwala - HSBC Ernesto Gabilondo - Bank of America Merrill Lynch Claudia Benavente - Santander Operator Good afternoon, everyone. And welcome to Banco de Chile’s Fourth Quarter 2020 Results Conference Call. If you need ...

Banco de Chile (NYSE:BCH) Q3 2020 Earnings Conference Call November 6, 2020 10:30 AM ET Company Participants Rodrigo Aravena – Chief Economist and Senior Vice President of Institutional Relations Pablo Mejia – Head of Investor Relations Daniel Galarce – Head of Financial Control Conference Call Participants Tito Labarta – Goldman Sachs Neha Agarwala – HSBC Claudia Benavente – Sandando Domingos Falavina – JPMorgan Operator Good day everyone, and welcome to Banco de Chile’s Third Quarter 2020 results conferen ...

Banco de Chile (NYSE:BCH) Q2 2020 Earnings Conference Call August 7, 2020 12:30 PM ET Company Participants Rodrigo Aravena - Chief Economist and Senior Vice President of Institutional Relations Pablo Mejia - Head of IR Daniel Galarce - Head of Financial Control Conference Call Participants Ernesto Gabilondo - Bank of America Claudia Benavente - Santander Sebastián Gallego - CrediCorp Capital Neha Agarwala - HSBC Alonso Garcia - Credit Suisse Operator Hello, everyone, and welcome to Banco de Chile's 2Q '20 F ...