智利银行 BCH
$38.66 −$0.09 (-0.23%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $38.66 0.00%
开盘$38.51
昨收$38.75
当日区间$38.51 – $39.03
成交量224.8K
市值$19.53B
市盈率（TTM）15.9
股息率5.44%
基本面
最新报告季度：Q2, ended Jun 2026 · 报告货币为CLP
营收CLP 919.35B+21.6% YoY
净利润CLP 390.57B+28.1% YoY
摊薄每股收益CLP 774.00+28.6% YoY
自由现金流-CLP 240.03B-153.4% YoY
经营现金流-CLP 218.82B
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率38.9%
净资产收益率21.5%
资产收益率2.2%
负债/资产比率89.6%
现金及投资CLP 1.84T
总负债CLP 13.46T
净现金（净负债）-CLP 11.63T
营收构成
2026/Q1 季度
按业务线
该公司以本国货币报告财务数据，并非美元。以下数字均标注了实际货币单位，未自动换算。
利润表
| 项目 | 2026 Q2 (CLP) |
2026 Q1 (CLP) |
2025 ANNUAL (CLP) |
2025 Q4 (CLP) |
2025 Q3 (CLP) |
|---|---|---|---|---|---|
| 报告营业总收入 | CLP 922.03B | – | – | – | CLP 735.68B |
| 营业总收入 | CLP 919.35B | CLP 745.99B | CLP 2.99T | CLP 760.67B | CLP 717.03B |
| 净利息收入 | CLP 463.97B | CLP 445.03B | CLP 2.07T | CLP 771.54B | CLP 438.21B |
| -利息收入 | CLP 703.95B | CLP 672.45B | CLP 3.41T | CLP 1.35T | CLP 698.80B |
| -利息支出 | CLP 239.98B | CLP 227.42B | CLP 1.34T | CLP 604.95B | CLP 248.90B |
| 非利息收入 | CLP 455.39B | CLP 300.96B | CLP 922.03B | -CLP 10.87B | CLP 278.82B |
| -已赚保费合计 | CLP 2.53B | CLP 11.52B | CLP 9.20B | -CLP 3.83B | CLP 4.45B |
| -手续费及佣金 | CLP 169.80B | CLP 155.40B | CLP 607.54B | CLP 150.96B | CLP 155.80B |
| -外汇交易收益 | CLP 19.44B | -CLP 33.06B | CLP 268.41B | CLP 221.52B | -CLP 51.22B |
| -其他非利息收入 | CLP 10.18B | CLP 33.48B | CLP 30.41B | -CLP 2.73B | CLP 9.39B |
| -资产出售损益 | CLP 253.44B | CLP 133.62B | -CLP 156.64B | -CLP 539.90B | CLP 160.40B |
| 信用损失准备 | -CLP 166.01B | -CLP 115.59B | -CLP 390.45B | -CLP 127.51B | -CLP 78.06B |
| 非利息支出 | CLP 288.52B | CLP 278.98B | CLP 1.09T | CLP 1.82B | CLP 275.96B |
| 销售及管理费用 | CLP 250.45B | CLP 237.48B | CLP 912.76B | -CLP 49.70B | CLP 245.05B |
| -管理费用 | CLP 250.45B | CLP 226.24B | CLP 869.97B | -CLP 63.19B | CLP 245.05B |
| 折旧、摊销与折耗 | CLP 24.22B | CLP 23.85B | CLP 95.11B | CLP 24.09B | CLP 23.67B |
| -折旧与摊销 | CLP 24.22B | CLP 23.85B | CLP 95.11B | CLP 24.09B | CLP 23.67B |
| 其他非利息支出 | CLP 13.85B | -CLP 192.00M | -CLP 12.64B | -CLP 9.60B | CLP 7.24B |
| 其他收入（支出） | CLP 3.45B | -CLP 4.65B | -CLP 12.64B | -CLP 1.80B | CLP 5.07B |
| 联营企业及其他参股权益收益 | CLP 2.60B | CLP 102.00M | CLP 11.98B | CLP 3.50B | CLP 2.67B |
| 特殊收益（费用） | CLP 855.00M | -CLP 4.75B | -CLP 24.62B | -CLP 5.30B | CLP 2.40B |
| -减：资本性资产减值 | CLP 154.00M | CLP 3.00M | CLP 729.00M | CLP 451.00M | – |
| -减：其他特殊支出 | -CLP 1.01B | -CLP 3.17B | -CLP 5.60B | -CLP 2.19B | -CLP 2.79B |
| 税前利润 | CLP 468.27B | CLP 346.78B | CLP 1.50T | CLP 330.74B | CLP 379.78B |
| 税费 | CLP 77.71B | CLP 78.15B | CLP 318.39B | CLP 72.05B | CLP 86.86B |
| 净利润 | CLP 390.57B | CLP 268.63B | CLP 1.19T | CLP 258.69B | CLP 292.91B |
| 持续经营利润 | CLP 390.57B | CLP 268.63B | CLP 1.19T | CLP 258.69B | CLP 292.91B |
| 终止经营净利润 | CLP 0.00 | CLP 0.00 | – | – | CLP 0.00 |
| 少数股东权益 | CLP 0.00 | CLP 0.00 | CLP 0.00 | CLP 0.00 | CLP 0.00 |
| 归属母公司净利润 | CLP 390.57B | CLP 268.63B | CLP 1.19T | CLP 258.69B | CLP 292.91B |
| 归属普通股股东净利润 | CLP 390.57B | CLP 268.63B | CLP 1.19T | CLP 258.69B | CLP 292.91B |
| 基本每股收益 | CLP 774.00 | CLP 532.00 | CLP 2,346.00 | CLP 512.00 | CLP 580.00 |
| 摊薄每股收益 | CLP 774.00 | CLP 532.00 | CLP 2,346.00 | CLP 512.00 | CLP 580.00 |
| 每股股息 | CLP 0.00 | CLP 2,044.53 | CLP 1,976.90 | CLP 0.00 | CLP 0.00 |
| 物业及设备费用 | – | CLP 13.26B | CLP 52.34B | CLP 14.18B | – |
| 专业及外包服务费用 | – | CLP 4.59B | CLP 37.66B | CLP 22.84B | – |
| -销售及营销费用 | – | CLP 11.24B | CLP 42.78B | CLP 13.49B | – |
| -减：核销 | – | CLP 7.92B | CLP 29.49B | CLP 7.04B | CLP 386.00M |
| -交易损益 | – | – | CLP 163.11B | – | – |
资产负债表
| 项目 | 2026 Q2 (CLP) |
2026 Q1 (CLP) |
2025 ANNUAL (CLP) |
2025 Q4 (CLP) |
2025 Q3 (CLP) |
|---|---|---|---|---|---|
| 总资产 | CLP 55.24T | CLP 55.39T | CLP 54.10T | CLP 54.10T | CLP 55.47T |
| 现金、现金等价物及联邦基金出售 | CLP 2.41T | CLP 3.20T | CLP 3.84T | CLP 3.84T | CLP 3.17T |
| -现金及现金等价物 | CLP 1.84T | CLP 2.48T | CLP 3.01T | CLP 3.01T | CLP 2.64T |
| -货币市场投资 | CLP 100.97B | CLP 195.69B | CLP 357.46B | CLP 357.46B | CLP 122.07B |
| -受限现金及投资 | CLP 474.99B | CLP 524.71B | CLP 475.10B | CLP 475.10B | CLP 408.79B |
| 证券投资 | CLP 8.27T | CLP 7.28T | CLP 7.24T | CLP 7.24T | CLP 7.27T |
| -可供出售证券 | CLP 3.78T | CLP 3.75T | CLP 3.77T | CLP 3.77T | CLP 4.06T |
| -短期投资 | CLP 4.48T | CLP 3.53T | CLP 3.47T | CLP 3.47T | CLP 3.21T |
| 长期股权投资 | CLP 89.40B | CLP 87.65B | CLP 75.83B | CLP 75.83B | CLP 83.27B |
| 衍生资产 | CLP 1.91T | CLP 2.08T | CLP 1.94T | CLP 1.94T | CLP 1.89T |
| 贷款净额 | CLP 38.30T | CLP 38.43T | CLP 36.85T | CLP 36.85T | CLP 38.81T |
| -贷款总额 | CLP 39.12T | CLP 39.25T | CLP 37.56T | CLP 37.56T | CLP 39.61T |
| -贷款及租赁损失准备 | CLP 821.89B | CLP 825.26B | CLP 702.46B | CLP 702.46B | CLP 802.22B |
| 应收款 | CLP 3.02T | CLP 3.10T | CLP 3.10T | CLP 3.10T | CLP 3.00T |
| -应收账款 | CLP 586.82B | CLP 575.71B | CLP 170.19B | CLP 170.19B | CLP 283.02B |
| -其他应收款 | CLP 2.43T | CLP 2.52T | CLP 2.93T | CLP 2.93T | CLP 2.71T |
| 固定资产净值 | CLP 359.17B | CLP 372.65B | CLP 392.94B | CLP 392.94B | CLP 394.49B |
| -固定资产原值 | CLP 944.68B | CLP 949.28B | CLP 959.61B | CLP 959.61B | CLP 954.31B |
| -累计折旧 | -CLP 585.51B | -CLP 576.64B | -CLP 566.67B | -CLP 566.67B | -CLP 559.81B |
| 商誉及其他无形资产 | CLP 179.14B | CLP 176.03B | CLP 207.99B | CLP 207.99B | CLP 168.13B |
| -其他无形资产 | CLP 179.14B | CLP 176.03B | CLP 191.27B | CLP 191.27B | CLP 168.13B |
| 预付资产 | CLP 52.96B | CLP 50.88B | CLP 39.42B | CLP 39.42B | CLP 58.16B |
| 递延资产 | CLP 588.27B | CLP 562.39B | CLP 331.83B | CLP 331.83B | CLP 562.61B |
| 持有待售资产 | CLP 30.10B | CLP 25.81B | CLP 40.58B | CLP 40.58B | CLP 29.31B |
| 其他资产 | CLP 36.69B | CLP 27.99B | CLP 31.77B | CLP 31.77B | CLP 34.72B |
| 负债合计 | CLP 49.52T | CLP 49.93T | CLP 47.42T | CLP 47.42T | CLP 49.79T |
| 存款合计 | CLP 29.77T | CLP 30.13T | CLP 28.95T | CLP 28.95T | CLP 29.46T |
| 联邦基金购入及回购协议下证券出售 | CLP 140.59B | CLP 205.98B | CLP 286.92B | CLP 286.92B | CLP 168.08B |
| 衍生产品负债 | CLP 2.29T | CLP 2.42T | CLP 2.38T | CLP 2.38T | CLP 2.10T |
| 短期债务及融资租赁负债 | CLP 26.45B | CLP 21.88B | CLP 23.57B | CLP 23.57B | CLP 25.60B |
| -一年内到期融资租赁负债 | CLP 26.45B | CLP 21.88B | CLP 23.57B | CLP 23.57B | CLP 25.00B |
| 交易性负债 | CLP 1.33B | CLP 1.12B | CLP 512.00M | CLP 512.00M | CLP 1.38B |
| 应付款 | CLP 1.11T | CLP 1.19T | CLP 902.15B | CLP 902.15B | CLP 1.30T |
| -应付账款 | CLP 495.84B | CLP 539.56B | CLP 429.86B | CLP 429.86B | CLP 516.10B |
| -应付税款合计 | CLP 17.80B | CLP 62.32B | CLP 38.13B | CLP 38.13B | CLP 54.32B |
| -应付股利 | CLP 21.71B | CLP 20.95B | CLP 16.79B | CLP 16.79B | CLP 17.63B |
| -其他应付款 | CLP 574.61B | CLP 569.38B | CLP 417.37B | CLP 417.37B | CLP 707.22B |
| 长期债务及融资租赁负债 | CLP 13.46T | CLP 13.38T | CLP 13.24T | CLP 13.24T | CLP 14.01T |
| -长期债务 | CLP 13.42T | CLP 13.34T | CLP 13.18T | CLP 13.18T | CLP 13.96T |
| -长期融资租赁负债 | CLP 49.13B | CLP 46.90B | CLP 50.77B | CLP 50.77B | CLP 54.70B |
| 非流动负债 | CLP 1.23T | CLP 1.01T | CLP 483.78B | CLP 483.78B | CLP 1.37T |
| 一年以上递延负债 | CLP 39.28B | CLP 40.48B | CLP 39.23B | CLP 39.23B | CLP 37.63B |
| 可转换优先证券 | CLP 0.00 | CLP 0.00 | CLP 0.00 | CLP 0.00 | CLP 0.00 |
| 终止经营负债 | CLP 0.00 | CLP 0.00 | – | – | CLP 0.00 |
| 其他负债 | CLP 1.43T | CLP 1.52T | CLP 973.41B | CLP 973.41B | CLP 1.32T |
| 股东权益合计 | CLP 5.72T | CLP 5.46T | CLP 6.69T | CLP 6.69T | CLP 5.68T |
| 股东权益 | CLP 5.72T | CLP 5.46T | CLP 6.69T | CLP 6.69T | CLP 5.68T |
| 股本 | CLP 2.42T | CLP 2.42T | CLP 2.42T | CLP 2.42T | CLP 2.42T |
| -普通股 | CLP 2.42T | CLP 2.42T | CLP 2.42T | CLP 2.42T | CLP 2.42T |
| 留存收益 | CLP 2.93T | CLP 2.54T | CLP 3.25T | CLP 3.25T | CLP 3.02T |
| 不影响留存收益的损益 | CLP 364.61B | CLP 500.51B | CLP 1.01T | CLP 1.01T | CLP 243.49B |
| 少数股东权益 | CLP 2.00M | CLP 2.00M | CLP 1.00M | CLP 1.00M | CLP 1.00M |
| -一年内到期债务 | – | CLP 0.00 | – | – | CLP 604.00M |
| -商誉 | – | – | CLP 16.71B | CLP 16.71B | – |
| 员工福利 | – | – | CLP 140.15B | CLP 140.15B | – |
现金流量表
| 项目 | 2026 Q2 (CLP) |
2026 Q1 (CLP) |
2025 ANNUAL (CLP) |
2025 Q4 (CLP) |
2025 Q3 (CLP) |
|---|---|---|---|---|---|
| 经营活动现金流 | -CLP 218.82B | -CLP 177.76B | CLP 826.08B | CLP 252.88B | -CLP 1.19T |
| 持续经营经营活动现金流净额 | -CLP 218.82B | -CLP 177.76B | CLP 826.08B | CLP 252.88B | -CLP 1.19T |
| 持续经营净利润 | CLP 390.57B | CLP 268.63B | CLP 1.19T | CLP 12.35B | CLP 539.25B |
| 持续经营损益 | CLP 18.61B | CLP 242.29B | CLP 458.01B | -CLP 40.46B | CLP 167.52B |
| 折旧、折耗与摊销 | CLP 24.22B | CLP 23.85B | CLP 95.11B | CLP 24.09B | CLP 23.67B |
| 递延税款 | -CLP 25.70B | CLP 3.36B | -CLP 9.72B | -CLP 3.81B | CLP 1.07B |
| 其他非现金项目 | CLP 844.00M | CLP 11.89B | CLP 52.37B | CLP 85.57B | -CLP 52.98B |
| 营运资金变动 | -CLP 818.18B | -CLP 862.25B | -CLP 1.42T | -CLP 136.62B | -CLP 1.80T |
| -应收款变动 | CLP 180.82B | -CLP 786.08B | CLP 263.62B | CLP 1.66T | -CLP 1.82T |
| -贷款变动 | -CLP 70.47B | -CLP 1.37T | -CLP 588.19B | -CLP 77.29B | -CLP 129.52B |
| -Change in Other Working Capital | -CLP 928.54B | CLP 1.30T | -CLP 1.09T | -CLP 1.72T | CLP 150.17B |
| 投资活动现金流净额 | -CLP 15.13B | -CLP 12.89B | -CLP 1.19T | -CLP 1.15T | -CLP 13.67B |
| 持续经营投资活动现金流净额 | -CLP 15.13B | -CLP 12.89B | -CLP 1.19T | -CLP 1.15T | -CLP 13.67B |
| 固定资产购置及出售净额 | -CLP 4.05B | -CLP 529.00M | -CLP 9.64B | -CLP 5.83B | -CLP 363.00M |
| 无形资产购置及出售净额 | -CLP 14.33B | -CLP 12.39B | -CLP 58.60B | -CLP 18.91B | -CLP 13.34B |
| 业务购买及出售净额 | CLP 0.00 | CLP 0.00 | CLP 0.00 | CLP 0.00 | CLP 0.00 |
| 筹资活动现金流 | -CLP 175.63B | -CLP 990.54B | CLP 110.76B | -CLP 52.11B | CLP 806.85B |
| 持续经营筹资活动现金流净额 | -CLP 175.63B | -CLP 990.54B | CLP 110.76B | -CLP 52.11B | CLP 806.85B |
| Net Issuance Payments of Debt | -CLP 175.63B | CLP 19.38B | CLP 1.02T | -CLP 140.61B | CLP 806.85B |
| 已付现金股利 | CLP 0.00 | -CLP 1.01T | -CLP 995.38B | CLP 0.00 | CLP 0.00 |
| 期末现金余额 | CLP 3.78T | CLP 4.20T | CLP 2.93T | CLP 2.93T | CLP 5.16T |
| 现金净变动 | -CLP 409.58B | -CLP 1.18T | -CLP 252.25B | -CLP 948.63B | -CLP 400.02B |
| 期初现金余额 | CLP 4.20T | CLP 5.32T | CLP 3.26T | CLP 5.16T | CLP 5.52T |
| 汇率变动影响 | -CLP 11.17B | CLP 61.09B | -CLP 78.11B | -CLP 56.97B | CLP 44.93B |
| 自由现金流 | -CLP 240.03B | -CLP 195.75B | CLP 748.78B | CLP 227.59B | -CLP 1.21T |
| 投资购置及出售净额 | – | – | -CLP 1.09T | – | – |
| 其他投资变动净额 | – | – | -CLP 30.90B | – | – |
| 联邦基金及回购证券变动 | – | – | CLP 0.00 | – | – |
| 其他筹资活动净额 | – | – | CLP 88.50B | – | – |
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