Banco de Chile (G4RA) - Net Assets
Based on the latest financial reports, Banco de Chile (G4RA) has net assets worth €5.68 Trillion EUR (≈ $6.64 Trillion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€55.47 Trillion ≈ $64.85 Trillion USD) and total liabilities (€49.79 Trillion ≈ $58.21 Trillion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Banco de Chile liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €5.68 Trillion |
| % of Total Assets | 10.24% |
| Annual Growth Rate | 9.06% |
| 5-Year Change | 74.57% |
| 10-Year Change | N/A |
| Growth Volatility | 8.79 |
Banco de Chile - Net Assets Trend (2017–2024)
This chart illustrates how Banco de Chile's net assets have evolved over time, based on quarterly financial data. Also explore G4RA current and non-current assets for the complete picture of this company's asset base.
Annual Net Assets for Banco de Chile (2017–2024)
The table below shows the annual net assets of Banco de Chile from 2017 to 2024. For live valuation and market cap data, see Banco de Chile stock valuation.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €6.50 Trillion ≈ $7.60 Trillion |
+6.95% |
| 2023-12-31 | €6.08 Trillion ≈ $7.11 Trillion |
+25.19% |
| 2022-12-31 | €4.86 Trillion ≈ $5.68 Trillion |
+15.04% |
| 2021-12-31 | €4.22 Trillion ≈ $4.94 Trillion |
+13.33% |
| 2020-12-31 | €3.73 Trillion ≈ $4.36 Trillion |
-4.60% |
| 2019-12-31 | €3.91 Trillion ≈ $4.57 Trillion |
+6.32% |
| 2018-12-31 | €3.67 Trillion ≈ $4.29 Trillion |
+3.62% |
| 2017-12-31 | €3.55 Trillion ≈ $4.14 Trillion |
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Equity Component Analysis
This analysis shows how different components contribute to Banco de Chile's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 283.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €3.11 Trillion | 47.74% |
| Other Components | €3.40 Trillion | 52.26% |
| Total Equity | €6.50 Trillion | 100.00% |
Banco de Chile Competitors by Market Cap
The table below lists competitors of Banco de Chile ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Korea Electric Power Corporation
F:KOP
|
$18.31 Billion |
|
Lennox International Inc
NYSE:LII
|
$18.31 Billion |
|
MTU Aero Engines AG
XETRA:MTX
|
$18.32 Billion |
|
TECHTRONIC INDS ADR/5
F:TIB
|
$18.32 Billion |
|
EDP - Energias de Portugal S.A.
LS:EDP
|
$18.30 Billion |
|
Tower Semiconductor Ltd
TA:TSEM
|
$18.28 Billion |
|
Xian LONGi Silicon Materials Corp
SHG:601012
|
$18.25 Billion |
|
SGS SA
SW:SGSN
|
$18.21 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Banco de Chile's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 6,081,943,000,000 to 6,504,894,000,000, a change of 422,951,000,000 (7.0%).
- Net income of 1,248,476,000,000 contributed positively to equity growth.
- Dividend payments of 815,932,000,000 reduced retained earnings.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €1.25 Trillion | +19.19% |
| Dividends Paid | €815.93 Billion | -12.54% |
| Other Changes | €-9.59 Billion | -0.15% |
| Total Change | €- | 6.95% |
Book Value vs Market Value Analysis
This analysis compares Banco de Chile's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.48x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.91x to 0.48x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | €34.11 | €31.00 | x |
| 2018-12-31 | €36.37 | €31.00 | x |
| 2019-12-31 | €38.66 | €31.00 | x |
| 2020-12-31 | €36.89 | €31.00 | x |
| 2021-12-31 | €41.80 | €31.00 | x |
| 2022-12-31 | €48.09 | €31.00 | x |
| 2023-12-31 | €60.21 | €31.00 | x |
| 2024-12-31 | €64.39 | €31.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Banco de Chile utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 19.19%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 41.07%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.00x
- Recent ROE (19.19%) is above the historical average (18.75%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 16.14% | 33.96% | 0.05x | 9.18x | €217.55 Billion |
| 2018 | 16.43% | 32.78% | 0.05x | 9.70x | €236.26 Billion |
| 2019 | 15.46% | 30.15% | 0.05x | 10.50x | €213.17 Billion |
| 2020 | 12.43% | 23.92% | 0.04x | 12.37x | €90.48 Billion |
| 2021 | 18.78% | 35.86% | 0.04x | 12.24x | €370.62 Billion |
| 2022 | 29.01% | 45.61% | 0.06x | 11.37x | €923.60 Billion |
| 2023 | 22.59% | 46.27% | 0.05x | 9.16x | €765.83 Billion |
| 2024 | 19.19% | 41.07% | 0.06x | 8.00x | €597.99 Billion |
Industry Comparison
This section compares Banco de Chile's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,686,456,747,900
- Average return on equity (ROE) among peers: 9.51%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Banco de Chile (G4RA) | €5.68 Trillion | 16.14% | 8.76x | $18.31 Billion |
| Grupo Supervielle S.A (189A) | $53.42 Billion | -1.61% | 6.34x | $610.24 Million |
| Bank of Zhengzhou Co. Ltd (3BZ) | $39.89 Billion | 8.24% | 11.55x | $252.75 Million |
| Manx Financial Group PLC (3IM) | $37.31 Million | 21.71% | 12.34x | $31.55 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $544.88 Billion | 11.18% | 17.75x | $12.54 Billion |
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | $1.03 Trillion | 8.38% | 15.56x | $13.93 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $34.73 Billion | 17.53% | 7.74x | $2.49 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $26.12 Billion | 7.27% | 10.72x | $1.47 Billion |
| Harbin Bank Co. Ltd (5H6) | $42.41 Billion | 12.38% | 12.31x | $137.86 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $9.65 Trillion | 3.37% | 22.79x | $53.42 Billion |
| Grupo Aval Acciones y Valores S.A (6GAA) | $35.44 Trillion | 6.63% | 8.11x | $1.61 Billion |
About Banco de Chile
Banco de Chile, together with its subsidiaries, operates as a commercial bank that provides banking services in Chile. It operates through four segments: Retail, Wholesale, Treasury, and Subsidiaries. The Retail segment offers checking and demand deposit accounts; debit and credit cards; lines of credit; home mortgage, consumer, commercial, and general-purpose mortgage loans; financial leases; fa… Read more