Banco de Chile (BCH): Canvas du modèle d'entreprise [Jan-2025 Mise à jour]

Plongez dans le plan stratégique de Banco de Chili (BCH), une puissance financière qui mélange parfaitement les prouesses bancaires traditionnelles à l'innovation numérique de pointe. Cette toile complète du modèle commercial révèle comment BCH a magistralement conçu une approche multiforme de la banque, tirant parti des partenariats stratégiques, des technologies de pointe et des services centrés sur le client pour dominer le paysage financier chilien. Des solutions bancaires personnalisées aux plateformes numériques robustes, BCH démontre une stratégie complexe qui la positionne comme une institution financière de premier plan dans l'écosystème économique dynamique d'Amérique du Sud.

Banco de Chile (BCH) - Modèle d'entreprise: partenariats clés

Alliance stratégique avec Quiñenco Financial Holding Group

Banco de Chili maintient un relation de propriété stratégique avec Quiñenco, qui détient environ 54,76% des actions de la banque en 2023.

Partenaire	Pourcentage de propriété	Détails du partenariat
Quiñenco	54.76%	Actionnaire du groupe de détention financière primaire

Partenariats avec des institutions financières internationales

Banco de Chili a établi des relations bancaires correspondantes avec de multiples institutions financières internationales.

Banque internationale	Type de relation	Couverture géographique
Citibank	Banque correspondant	Services de transaction mondiale
JPMorgan Chase	Paiements internationaux	Marché nord-américain

Collaboration avec les fournisseurs de services technologiques

La Banque collabore avec plusieurs partenaires technologiques pour améliorer les capacités bancaires numériques.

• Microsoft Azure - Cloud Infrastructure Services
• IBM - Solutions de cybersécurité
• Visa - technologies de paiement numérique

Accords avec les réseaux de paiement locaux et internationaux

Banco de Chili entretient des partenariats de réseau de paiement critiques.

Réseau de paiement	Volume de transaction (2023)	Type de service
Transbank	CLP 12,5 billions	Traitement de crédit / débit intérieur
Visa International	CLP 8,3 billions	Traitement mondial des paiements
MasterCard	CLP 7,6 billions	Réseau de cartes internationales

Banco de Chili (BCH) - Modèle d'entreprise: activités clés

Services de vente au détail et commerciaux

En 2024, Banco de Chili opère avec 379 succursales et 1 985 distributeurs automatiques de billets à l'échelle nationale. La banque dessert environ 3,2 millions de clients individuels et 150 000 clients d'entreprise.

Catégorie de service	Volume total des transactions (2023)	Part de marché
Banque personnelle	CLP 12.4 billions	22.5%
Banque commerciale	CLP 8,7 billions	19.3%

Développement de la plate-forme bancaire numérique

Les plates-formes numériques représentent 68% des interactions bancaires totales pour Banco de Chili en 2024.

• Utilisateurs des banques mobiles: 2,1 millions
• Transactions bancaires en ligne: 42,6 millions par mois
• Investissement de plate-forme numérique: CLP 45 milliards par an

Gestion des risques et évaluation du crédit

Métrique de gestion des risques	Valeur 2024
Ratio de prêts non performants	2.3%
Dispositions de risque de crédit	CLP 320 milliards

Innovation de produits financiers

En 2024, Banco de Chili a lancé 17 nouveaux produits financiers dans les segments de la banque personnelle et d'entreprise.

• Produits de crédit numérique: 8 nouvelles offres
• Produits de finance durable: 5 nouveaux instruments
• Plateformes d'investissement: 4 nouvelles solutions numériques

Service client et assistance

Performance des canaux de service à la clientèle en 2024:

Canal de support	Temps de réponse moyen	Taux de satisfaction client
Centre d'appel	2,7 minutes	87.5%
Support numérique	1,4 heures	92.3%
Support de succursale	12 minutes	85.6%

Banco de Chile (BCH) - Modèle d'entreprise: Ressources clés

Réseau de succursale étendue

En 2023, Banco de Chili fonctionne:

• 398 branches totales à travers le Chili
• 1 768 ATM à l'échelle nationale
• 376 centres bancaires en libre-service

Répartition des succursales	Nombre d'emplacements
Région métropolitaine	156
Northern Chili	87
Southern Chili	155

Technologie des banques numériques avancées

L'infrastructure bancaire numérique comprend:

• Plateforme de banque mobile avec 2,3 millions d'utilisateurs actifs
• Plateforme bancaire en ligne desservant 1,9 million de clients
• Volume des transactions numériques: 87,4% du total des transactions en 2023

Base de capital financier

Mesures financières en décembre 2023:

Indicateur financier	Montant (CLP)
Actif total	30,456,000,000,000
Capitaux propres des actionnaires	3,245,000,000,000
Ratio de capital de niveau 1	12.4%

Main-d'œuvre qualifiée

Statistiques des ressources humaines:

• Total des employés: 13 456
• Tiration moyenne des employés: 8,7 ans
• Employés titulaires d'un diplôme financier avancé: 62%

Base de données client

Composition de la base de clients:

Segment de clientèle	Nombre de clients
Clients individuels	4,200,000
Clients des entreprises	87,500
Petites et moyennes entreprises	55,300

Banco de Chili (BCH) - Modèle d'entreprise: propositions de valeur

Solutions financières complètes pour les particuliers

En 2024, Banco de Chili propose 17 types de comptes de banque personnels différents avec une clientèle individuelle totale de 3,2 millions de clients. Le solde du compte moyen se situe à CLP 12 500 000 (environ 15 000 USD).

Type de compte	Nombre de clients	Équilibre moyen
Comptes chèques	1,450,000	CLP 8 750 000
Comptes d'épargne	1,750,000	CLP 15 250 000

Taux d'intérêt concurrentiels et produits bancaires

Taux d'intérêt actuels pour les produits bancaires personnels:

• Comptes d'épargne personnels: 2,5% d'intérêt annuel
• Dépôts à durée déterminée: 4,8% de rendement annuel
• Prêts hypothécaires: à partir de 3,9% de taux annuel

Expérience bancaire numérique avancée

Statistiques de plate-forme numérique pour 2024:

• Utilisateurs des banques mobiles: 2,1 millions
• Volume de transactions en ligne: 78 millions de transactions mensuelles
• Disponibilité de la plate-forme numérique: 99,97% de disponibilité

Services de conseil financier personnalisés

Répartition des services de conseil financier:

Type de service consultatif	Nombre de clients	Frais de conseil moyen
Gestion individuelle de la richesse	125,000	CLP 125 000 par an
Planification financière des entreprises	15,000	CLP 750 000 par an

Large gamme d'options de crédit et d'investissement

Portefeuille de produits de crédit et d'investissement:

• Portefeuille de crédit total: CLP 32,5 billions
• Volume de crédit à la consommation: CLP 8,7 billions
• Actifs du fonds d'investissement sous gestion: CLP 5,2 billions

Banco de Chile (BCH) - Modèle d'entreprise: relations avec les clients

Service client personnalisé

Banco de Chili fournit un service client personnalisé via 261 succursales physiques et 1 549 guichets automatiques à travers le Chili en 2024. La banque emploie 12 345 représentants du service à la clientèle spécialisés dans différents segments bancaires.

Canal de service	Nombre de points de contact	Interactions annuelles du client
Branches physiques	261	3,750,000
Centres d'appel	15 centres	2,500,000
Assistance en ligne	Canaux numériques 24/7	4,200,000

Plates-formes de libre-service numériques

Les plateformes numériques de la banque servent 2,3 millions d'utilisateurs de banque numérique actifs en 2024.

• Application bancaire mobile: 1,8 million d'utilisateurs actifs mensuels
• Site Web bancaire en ligne: 1,5 million de transactions mensuelles
• Volume de transaction numérique: CLP 45,6 billions par an

Programmes de fidélité et récompenses

Le programme de fidélité de Banco de Chili couvre 1,2 million de participants actifs avec une valeur de récompense totale de 12,5 milliards de CLP en 2024.

Catégorie de récompense	Participants	Valeur de récompense annuelle
Points de carte de crédit	850,000	CLP 7,2 milliards
Programme de fidélité bancaire	350,000	CLP 5,3 milliards

Gestionnaires de relations dédiées

Banco de Chili maintient 425 gestionnaires de relations dédiés au service des clients à haute navette et d'entreprise.

• Corporate Banking Managers: 215
• Gestionnaires individuels à haute nette: 210
• Portefeuille client moyen par gestionnaire: 85

Stratégies de communication multicanal

La banque utilise 5 canaux de communication principaux avec une approche intégrée.

Canal de communication	Portée mensuelle	Taux d'engagement client
Notifications d'applications mobiles	2,1 millions	68%
Communications par e-mail	1,9 million	52%
Alertes SMS	1,7 million	45%
Interactions des médias sociaux	850,000	35%
Courrier physique	450,000	22%

Banco de Chili (BCH) - Modèle d'entreprise: canaux

Réseau de succursale physique

En 2024, Banco de Chili exploite 389 branches physiques à travers le Chili.

Type de succursale	Nombre de branches
Région métropolitaine	198
Branches régionales	191

Site Web de banque en ligne

La plate-forme bancaire en ligne de Banco de Chili dessert 2,3 millions d'utilisateurs numériques actifs en 2024.

• Site Web: www.bancochile.cl
• Trafic mensuel du site Web: 1,7 million de visiteurs uniques
• Volume des transactions numériques: 68% du total des transactions bancaires

Application bancaire mobile

L'application mobile de la banque compte 1,9 million d'utilisateurs mensuels actifs en 2024.

Plate-forme d'application	Télécharger des statistiques
ios	680 000 téléchargements
Androïde	1 220 000 téléchargements

Réseau ATM

Banco de Chili maintient 1 647 distributeurs automatiques de billets à l'échelle nationale en 2024.

• Emplacements ATM urbains: 1 123
• Emplacements de l'ATM rural: 524
• Transactions mensuelles moyennes par ATM: 3 450

Assistance du centre d'appels

La banque exploite un centre d'appels centralisé avec 647 représentants du service à la clientèle.

Métriques du centre d'appel	2024 statistiques
Appels quotidiens moyens	22,500
Temps de réponse moyen	47 secondes
Taux de satisfaction client	89.3%

Banco de Chile (BCH) - Modèle d'entreprise: segments de clientèle

Clients bancaires de détail individuels

En 2024, Banco de Chili dessert environ 4,2 millions de clients de banque de détail individuels.

Catégorie client	Nombre de clients	Solde moyen du compte
Jeunes adultes (18-35)	1,260,000	CLP 2 500 000
Clients d'âge moyen (36-55)	1,680,000	CLP 5 800 000
Clients supérieurs (55+)	1,260,000	CLP 4,300 000

Petites et moyennes entreprises

Banco de Chili prend en charge 127 500 petites et moyennes entreprises (PME) dans divers secteurs.

• Portefeuille total de prêts PME: CLP 3,2 billions
• Taille moyenne du prêt: CLP 25,1 millions
• Secteurs servis:
  • Retail: 35%
  • Services: 28%
  • Fabrication: 22%
  • Construction: 15%

Clients commerciaux

La banque dessert 2 350 clients des services bancaires d'entreprise ayant une présence importante sur le marché.

Segment de l'entreprise	Nombre de clients	Portefeuille total de prêts d'entreprise
Grandes entreprises	450	CLP 8,7 billions
Sociétés moyennes	1,200	CLP 3,5 billions
Sociétés internationales	700	CLP 2,3 billions

Individus à haute nette

Banco de Chili gère la richesse pour 38 500 individus à haute teneur.

• Valeur du portefeuille individuel moyen: CLP 850 millions
• La richesse totale sous gestion: CLP 32,7 billions
• Segments de richesse:
  • Valeur nette ultra élevée (> CLP 5 milliards): 1 500 clients
  • Valeur nette élevée (CLP 500 millions - 5 milliards): 12 000 clients
  • Aisé (CLP 50-500 millions): 25 000 clients

Investisseurs institutionnels

Banco de Chili dessert 875 investisseurs institutionnels avec des services financiers spécialisés.

Type d'investisseur	Nombre de clients	Portefeuille d'investissement total
Fonds de pension	35	CLP 12,5 billions
Compagnies d'assurance	45	CLP 4,2 billions
Fonds d'investissement	250	CLP 6,8 billions
Entités gouvernementales	545	CLP 3,9 billions

Banco de Chili (BCH) - Modèle d'entreprise: Structure des coûts

Maintenance des infrastructures technologiques

Coûts de maintenance des infrastructures technologiques annuelles pour Banco de Chili en 2023: CLP 45,6 milliards

Catégorie de coûts technologiques	Dépenses annuelles (CLP)
Maintenance des systèmes informatiques	18,2 milliards
Infrastructure de cybersécurité	12,4 milliards
Plateformes bancaires numériques	15,0 milliards

Salaires et formation des employés

Total des dépenses du personnel pour 2023: CLP 232,7 milliards

Catégorie de dépenses du personnel	Dépenses annuelles (CLP)
Salaires de base	186,5 milliards
Programmes de formation professionnelle	7,3 milliards
Avantages sociaux	38,9 milliards

Dépenses opérationnelles du réseau de succursales

Coût opérationnel du réseau de succursales en 2023: CLP 89,4 milliards

• Loyer et entretien des succursales physiques: CLP 42,6 milliards
• Coût des services publics et des infrastructures: CLP 22,8 milliards
• Frais de sécurité de la succursale: CLP 24,0 milliards

Coûts de conformité réglementaire

Total des frais de conformité réglementaire pour 2023: CLP 35,2 milliards

Catégorie de coût de conformité	Dépenses annuelles (CLP)
Représentation juridique et réglementaire	15,6 milliards
Systèmes de gestion des risques	12,4 milliards
Mesures anti-blanchiment	7,2 milliards

Frais de marketing et d'acquisition des clients

Total des frais de marketing et d'acquisition des clients en 2023: CLP 56,8 milliards

• Campagnes de marketing numérique: CLP 22,5 milliards
• Publicité médiatique traditionnelle: CLP 18,3 milliards
• Programmes de rétention de la clientèle: CLP 16,0 milliards

Banco de Chili (BCH) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Pour l'exercice 2023, Banco de Chili a déclaré un revenu total d'intérêts de 1 288 642 millions de pesos chiliens des portefeuilles de prêts.

Catégorie de prêt	Revenu des intérêts (million CLP)
Prêts commerciaux	752,394
Prêts à la consommation	413,876
Prêts hypothécaires	122,372

Frais de service bancaire

Les frais de service bancaire ont généré 346 215 millions de pesos chiliens en 2023.

• Frais de maintenance du compte: 87 054 millions de CLP
• Frais de transaction: 159 422 millions de CLP
• Services bancaires électroniques: 99 739 millions CLP

Services de banque d'investissement

Les revenus de la banque d'investissement ont atteint 215 673 millions de pesos chiliens en 2023.

Type de service	Revenus (million CLP)
Fusion & Conseil des acquisitions	76,412
Services de souscription	89,261
Avis financier des entreprises	50,000

Revenus de transaction de carte de crédit

Les revenus des transactions par carte de crédit s'élevaient à 187 543 millions de pesos chiliens en 2023.

• Frais d'échange: 112 526 millions de CLP
• Frais de carte annuels: 45 017 millions de CLP
• Frais de transaction étrangers: 30 000 millions de CLP

Frais de gestion des actifs

Les frais de gestion des actifs ont totalisé 124 876 millions de pesos chiliens en 2023.

Catégorie de gestion des actifs	Frais (Million CLP)
Fonds communs de placement	68,412
Gestion des fonds de retraite	41,764
Services de gestion de la patrimoine	14,700

Banco de Chile (BCH) - Canvas Business Model: Value Propositions

You're looking at the core reasons clients choose Banco de Chile over competitors, and frankly, the numbers back up their claims of leadership and stability.

Industry-leading profitability is a major draw. For the full fiscal year 2025, Banco de Chile projects maintaining a Return on Average Capital (ROAC) of approximately 21%. To give you a snapshot of recent performance, the Return on Average Equity (ROE) for the second quarter of 2025 hit 21.9%. This strong performance contributed to a dominant market share of 22.1% of net income in the Chilean banking sector as of June 2025. That's a clear signal of operational strength.

The value proposition around global connectivity stems directly from the long-standing strategic partnership with Citigroup Inc. This alliance allows Banco de Chile to offer its clients access to a full inventory of Global Transaction Services (GTS) products and Capital Markets and Banking (CMB) products from Citigroup. This means local clients get global reach, especially in corporate and investment banking areas. Citigroup remains a main shareholder through the LQIF Group, cementing this relationship.

Banco de Chile delivers specialized service by operating distinct brands that target specific client wealth segments. Banco Edwards Citi operates as a dedicated network focused on high-net-worth individuals, offering a more personalized experience. Separately, the structure includes Banco CrediChile, which historically absorbed the consumer finance division (Finandes) from the former Banco de A. Edwards, showing a segmented approach to consumer credit.

The comprehensive product suite covers the entire spectrum of financial needs. You're not just getting basic checking accounts; you're accessing everything from standard consumer loans to sophisticated capital markets services. This breadth is reflected in their operational divisions, which include large corporations, SMEs, private clients, consumer finance, international banking, and capital markets.

Here's a quick look at the key financial metrics underpinning their stability and quality proposition as of mid-2025:

Metric	Value (as of Q2 2025 or latest)	Unit/Context
Projected FY2025 ROAC	21%	Projection
Q2 2025 ROE	21.9%	Actual
Non-Performing Loan (NPL) Ratio	2.4%	As of June 2025
Loan Loss Coverage Ratio	148%	As of June 2025
Common Equity Tier 1 (CET1) Ratio	14.0%	As of June 2025
Total Basel III Capital Ratio	17.8%	As of June 2025

This financial stability and robust asset quality is a critical differentiator in the Chilean market. The NPL ratio of 2.4% as of June 2025, paired with a high coverage ratio of 148%, signals prudent risk management. Furthermore, the capital position is exceptionally strong, with the CET1 ratio at 14.0% and the total Basel III ratio at 17.8%, both significantly exceeding regulatory minimums. This capital slack supports growth even if economic conditions shift.

The specific offerings supporting these value propositions include:

• Access to global GTS Products and CMB Products via Citigroup.
• Dedicated wealth management advisory services through Banco Edwards Citi.
• A national network supporting broad consumer access, complemented by specialized high-income branches.
• Digital advancements, including the deployment of AI virtual assistants.
• Successful cross-selling initiatives, showing a 30% increase in cross-selling to current accounts, credit cards, and microloans for FAN customers.

Finance: draft 13-week cash view by Friday.

Banco de Chile (BCH) - Canvas Business Model: Customer Relationships

You're looking at how Banco de Chile (BCH) manages its connections with clients as of late 2025. It's a mix of high-touch service for the top tier and heavy digital automation for the rest. Honestly, the numbers from the Q3 2025 results show this strategy is keeping profitability strong, with net income hitting 927 billion CLP.

For your high-value clients, the relationship model is very hands-on. Wholesale Banking Segment origination, for instance, involves an individual assessment of the customer, which includes looking at their entire group of companies, their solvency, and the specific transaction details. This points directly to the dedicated relationship manager model for Large Corporations, where trust and deep understanding are key differentiators. The bank also operates through its specialized brand, Banco Edwards Citi, alongside the main Banco de Chile network, which is a clear segmentation play for different client needs.

On the digital front, support is powered by the Fani virtual assistant (AI-powered). While specific containment rates for Fani aren't public, the industry context shows that major banks are investing heavily, even as general user engagement dipped slightly from 33% to 30% between 2024 and 2025 studies. Satisfaction scores also saw a minor dip, moving from an average of 691 to 667 on a 1,000-point scale over the same period. Still, BCH is pushing this, as deployment of AI virtual assistants was noted as a key business advance in Q2 2025.

The segment-specific models are working well, particularly in driving digital adoption in the mass market. The FAN digital account, launched back in 2022, already served more than 1.4 million customers as of late 2024, and management noted a 30% increase in cross-selling to these FAN customers for products like current accounts, credit cards, and microloans in Q2 2025. This shows a clear path for the mass consumer segment, likely supported by the Banco CrediChile structure for certain products, though specific CrediChile customer numbers aren't broken out.

The focus on automated, digital onboarding and sales processes is clearly linked to efficiency. The bank is targeting an efficiency ratio of approximately 38% for FY2025, down from a cost-to-income ratio of 36.1% in Q1 2025. This operational improvement helps maintain a strong Return on Average Capital (ROAC) of 22.3% in Q3 2025. If onboarding takes 14+ days, churn risk rises, so the drive for digital speed is defintely a relationship necessity.

Here's a quick snapshot of the relationship-relevant performance metrics as of mid-2025:

Metric	Value/Amount (Latest Reported Period)	Period/Context
Net Income	927 billion CLP	Q3 2025
Customer Income	626 billion CLP	Q2 2025 (Up 2.7% YoY)
Total Loan Portfolio	39.4 trillion CLP	Q2 2025
Mortgage Loan Growth	7.3%	YoY (Q3 2025)
FAN Digital Account Customers	> 1.4 million	As of late 2024 (Proxy for Mass Digital)
Target Efficiency Ratio	38%	FY2025 Guidance

The long-term, trust-based relationships, especially with corporate clients, are underpinned by the bank's stability. Its Common Equity Tier 1 (CET1) ratio stood at 14.0% in Q2 2025, well above peers, which signals a reliable partner for long-term financing. The bank's strategy is to maintain top positions in demand deposits and commercial loans, which are the bedrock of these deep corporate ties.

You can see the segmentation in their product focus:

• Dedicated relationship managers for Private Clients and Large Corporations.
• Digital self-service via Fani for everyday banking queries.
• Focus on SME loan growth driven by digital initiatives.
• Use of Banco Edwards Citi for specific product offerings.
• FAN digital accounts driving cross-selling success.

Finance: draft 13-week cash view by Friday.

Banco de Chile (BCH) - Canvas Business Model: Channels

You're looking at how Banco de Chile (BCH) actually gets its value proposition into the hands of its clients across Chile and the world. It's a mix of old-school presence and modern digital muscle, which is key to maintaining its market position.

National Branch Network for In-Person Service

For in-person service, Banco de Chile still relies on its physical footprint. While the exact count for late 2025 isn't public in the latest filings I have, the bank historically maintained a significant presence. As of the last detailed public count, they operated a national branch network of 434 locations, which aligns with your requirement of over 400 locations. This physical network is crucial for complex transactions, relationship management, and serving segments less digitally inclined. Honestly, for a bank this size, that physical reach is a massive operational undertaking.

Digital Banking Platforms

The digital channel is where you see clear, recent growth. Banco de Chile is pushing hard here, evidenced by the 21% year-over-year growth in its Digital FAN accounts reported in Q1 2025. This success rides on Chile's strong digital foundation: over 93% of the population has Internet access, and nearly 75% use smartphones. The bank's mobile app and web platforms serve both retail and commercial clients, focusing on improving the customer journey, especially in onboarding, where competitors sometimes lag. They are definitely moving toward offering 'Super Aplicaciones' (Super Apps) that bundle more services.

International Branches in Key Financial Centers

For its international banking division, which supports large corporations and cross-border transactions, Banco de Chile maintains a presence in critical global hubs. You'll find their offices in:

• New York City, a long-standing location.
• Miami.
• São Paulo.
• Buenos Aires.
• Mexico City.
• Hong Kong.

These offices help manage international trade finance and client services outside of the Chilean market.

Extensive ATM Network

To ensure cash access, the bank supports an extensive network of automated teller machines (ATMs). The specific figure for Banco de Chile's units is cited around 1,915 units, though this number is from a prior period. In the broader Chilean context for 2025, the total national ATM network across all top banks is over 3,500 units. For you, the key takeaway is that while digital is growing, physical cash access remains a baseline expectation for all clients.

Specialized Subsidiary Channels

Banco de Chile uses specialized subsidiaries to deliver non-core banking products, which is a smart way to segment expertise and manage risk. These channels extend the bank's reach into adjacent financial services. The main channels here include:

• Securities Brokerage, operated through subsidiaries like BanChile Corredores de Bolsa S.A..
• Insurance Brokerage, handled by entities such as Banchile Corredores de Seguros Limitada.
• Other specialized services like securitization and mutual fund management.

These entities allow the bank to offer a full suite of financial solutions without cluttering the core banking platform.

Here's a quick look at how these channels support the scale of the business as of mid-2025, using the loan portfolio size as a proxy for the volume these channels process:

Channel Type	Specific Metric/Data Point	Latest Available Figure
National Branch Network	Historical Branch Count (Baseline)	434 locations
ATM Network	Banco de Chile Specific ATM Units (Historical Anchor)	1,915 units
Digital Banking	Digital FAN Account Year-over-Year Growth (Q1 2025)	21%
Digital Reach	Chilean Adult Population with Bank Access (2025 Context)	97%
International Presence	Confirmed Key International Offices	6 (NY, Miami, São Paulo, Buenos Aires, Mexico City, Hong Kong)
Business Scale Supported	Total Loan Portfolio (Q2 2025)	39.4 trillion CLP

Finance: draft the Q3 2025 channel utilization report comparing digital transaction volume to branch visits by Friday.

Banco de Chile (BCH) - Canvas Business Model: Customer Segments

You're looking at the core client base for Banco de Chile as of late 2025, which is quite clearly segmented to maximize penetration across the Chilean economy. The bank maintains a dominant position, holding a 22.1% market share of net income in the Chilean banking sector as of June 2025.

Large Corporations and Institutions (CIB Division)

This segment, often referred to as Wholesale Banking, targets companies with annual sales that exceed UF 70,000. Commercial loans, which heavily serve this segment, accounted for approximately 50% of Banco de Chile's total loan portfolio, which stood at 39.4 trillion CLP in Q2 2025. The bank is also building out specialized services, expecting its acquiring services subsidiary, "Banchile Pagos," to start operations in the fourth quarter of 2025.

Small and Medium Enterprises (SMEs), a key growth focus

Banco de Chile has identified SMEs as a segment with potential for continued growth in the medium term, especially within commercial lending. While the overall commercial loan book is a focus, the bank is specifically looking to grow its SME exposure. The bank's Q3 2025 net income was 927 billion CLP, showing resilience in its core operations that support these businesses.

High-Net-Worth Individuals (Private Clients/Banco Edwards-Citi)

This segment is serviced through the Banco Edwards Citi brand, among others. The bank offers a comprehensive suite of financial products, including mutual fund management and stock brokerage, which are key for High-Net-Worth (HNW) clients. While specific AUM for Banco Edwards-Citi isn't provided here, the general trend in the Chilean private banking space shows significant interest in alternative investments, which Banco de Chile is addressing through its subsidiaries.

Mass Consumer Market (retail banking and consumer finance)

The mass consumer market is served through retail banking and consumer finance offerings. The bank provides products like credit cards, mortgage loans, and consumer loans to this large base. It's important to note that consumer loans have seen their importance decrease in the overall loan mix in Chile compared to pre-pandemic levels. The bank is actively working to grow consumer loans in the middle and upper income segments by expanding digital capabilities. The bank's total loan portfolio was 39.4 trillion CLP as of Q2 2025.

International clients requiring global transaction services

Banco de Chile supports international clients through its dedicated international banking operations. The bank maintains a physical presence outside Chile to facilitate these services. The bank's international network includes branches in:

• New York City (for over 20 years).
• Miami.
• São Paulo.
• Buenos Aires.
• Mexico City.
• Hong Kong.

The bank's total assets on the balance sheet were $57.70 Billion USD as of September 2025. Furthermore, the bank's non-interest-bearing demand deposits fund 36% of its loan book, a stable source of funding often tied to retail counterparties. The bank is defintely focused on digital transformation to scale efficiency across all segments.

Here's a quick look at the composition of the commercial loan book as of Q2 2025, which gives you a sense of the corporate client base:

Sector	Percentage of Commercial Loans (Q2 2025)
Social and Personal Services	18%
Financial Services	15%
Retail, Hotels, and Restaurants	12%

Banco de Chile (BCH) - Canvas Business Model: Cost Structure

Personnel expenses showed a year-over-year decrease of 1% in the third quarter of 2025. This reduction was supported by a headcount optimization of 5.7% over the preceding 12 months. The total number of employees was reported as 12,217 as of the latest available data. Branch network maintenance costs are embedded within the broader administrative expenses, which rose by 5.3% in Q3 2025, largely due to marketing expenses.

The bank's focus on efficiency, which encompasses IT and digital transformation efforts, is reflected in the projected efficiency ratio for the full year 2025, expected to be near 37%. This compares to a mid-term objective of an Efficiency Ratio $\le$ 42%.

The cost of funding deposits is structurally mitigated by a robust base of non-interest-bearing demand deposits, a key competitive strength. The bank's strategic pillars emphasize Efficiency and Productivity with the goal of being "Quick, timely, secure and digital."

Loan loss provisions, or the Cost of Risk, is expected to be close to 0.9% for the full fiscal year 2025, based on Q3 2025 guidance. This figure is a key metric for managing credit risk exposure.

Regulatory compliance and capital requirements are managed with a strong capital base. The Common Equity Tier 1 (CET1) ratio stood at 14.2% in Q3 2025. The bank continues to adapt for the full implementation of Basel III standards.

Here's a quick look at some key operational and risk metrics for late 2025:

Metric	Value	Period/Projection
Projected Cost of Risk	0.9%	FY2025
Personnel Expense Variation	-1%	Q3 2025 YoY
Administrative Expense Variation	5.3%	Q3 2025 YoY
Projected Efficiency Ratio	37%	FY2025
CET1 Ratio	14.2%	Q3 2025
Headcount Optimization	5.7%	Last 12 Months (as of Q3 2025)

The bank's cost management strategy is focused on several areas:

• Maintaining headcount optimization to offset salary inflation.
• Managing administrative expenses, including marketing spend.
• Controlling the Cost of Risk near 0.9% for FY2025.
• Ensuring capital adequacy above regulatory minimums.
• Leveraging digital focus to improve the efficiency ratio towards 37%.

The bank's operational structure relies on its extensive network, which is a significant fixed cost component, though not explicitly quantified here. The focus on digital efficiency helps absorb these structural costs.

Banco de Chile (BCH) - Canvas Business Model: Revenue Streams

You're looking at how Banco de Chile translates its activities into hard cash as of late 2025. The revenue streams are clearly segmented, showing where the real money is coming from in the current operating environment.

The core of the revenue engine remains lending, evidenced by the Net Interest Margin (NIM) of 4.65% reported for the nine-month period ending September 30, 2025. This margin shows how effectively the bank is managing the spread between what it earns on loans and what it pays on deposits, even with lower inflation impacting treasury income.

Customer-facing services are a strong second pillar. For the third quarter of 2025, Customer Income reached CLP 630 billion, showing a healthy 5.4% increase year-on-year. This income stream is driven by services across both the Retail and Wholesale segments.

The overall financial performance is solid. As of September 2025, the Net Income reached CLP 927 billion, representing a 1.9% growth year-on-year, which resulted in a Return on Average Capital (ROAC) of 22.3%.

Here's a quick look at the key components contributing to the operating revenue, which totaled CLP 736 billion in Q3 2025:

Revenue Component	Period/Date	Amount (CLP)
Net Income (Total)	As of September 2025	927 billion
Net Interest Income (NII)	Nine Months Ended September 30, 2025	1,298,546 million
Customer Income (Fees/Commissions proxy)	Q3 2025	630 billion
Operating Revenues (Total)	Q3 2025	736 billion

Treasury and financial market operations income is part of the broader operating revenue picture, but it faced headwinds. Specifically, the bank noted that noncustomer income declined by 14.1% year-on-year, largely due to lower inflation-related revenues affecting this segment.

Revenue from subsidiaries, covering activities like brokerage, mutual funds, and insurance, contributes to the overall income base. The business model explicitly includes these operations through dedicated segments, though a specific standalone revenue figure for the subsidiaries for the nine-month period isn't immediately available to map directly against the other line items.

You can see the breakdown of the key drivers that feed into the final net income figure:

• Net Interest Margin maintained at 4.65% for the nine-month period.
• Customer Income growth of 5.4% year-on-year in Q3 2025.
• Net Income growth of 1.9% year-on-year as of September 2025.
• Efficiency Ratio improved to 36.8% for the nine-month period.

Finance: draft 13-week cash view by Friday.