Banco de Chile (G4RA) - Net Assets
Based on the latest financial reports, Banco de Chile (G4RA) has net assets worth €5.46 Trillion EUR (≈ $6.39 Trillion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€55.39 Trillion ≈ $64.76 Trillion USD) and total liabilities (€49.93 Trillion ≈ $58.37 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 (G4RA) tangible net worth to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €5.46 Trillion |
| % of Total Assets | 9.86% |
| Annual Growth Rate | 8.26% |
| 5-Year Change | 58.37% |
| 10-Year Change | N/A |
| Growth Volatility | 8.51 |
Banco de Chile - Net Assets Trend (2017–2025)
This chart illustrates how Banco de Chile's net assets have evolved over time, based on quarterly financial data. See defensive interval ratio of Banco de Chile to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Banco de Chile (2017–2025)
The table below shows the annual net assets of Banco de Chile from 2017 to 2025. For live valuation and market cap data, see Banco de Chile stock valuation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €6.69 Trillion ≈ $7.82 Trillion |
+2.81% |
| 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 301.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €3.25 Trillion | 48.66% |
| Other Components | €3.43 Trillion | 51.34% |
| Total Equity | €6.69 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 |
|---|---|
|
Lite-On Technology Corp
TW:2301
|
$15.05 Billion |
|
Plains All American Pipeline LP
NASDAQ:PAA
|
$15.06 Billion |
|
GENMAB AS SP.ADR/1/10DK 1
F:GE91
|
$15.06 Billion |
|
Mirae Asset Daewoo Securities Co Ltd
KO:006800
|
$15.06 Billion |
|
BB Seguridade Participacoes SA
SA:BBSE3
|
$15.02 Billion |
|
Modine Manufacturing Company
NYSE:MOD
|
$15.02 Billion |
|
Tongling Nonferrous Metals Group Co Ltd
SHE:000630
|
$15.01 Billion |
|
YPF Sociedad Anonima
NYSE:YPF
|
$15.00 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 2024 to 2025, total equity changed from 6,504,894,000,000 to 6,687,846,000,000, a change of 182,952,000,000 (2.8%).
- Net income of 1,185,413,000,000 contributed positively to equity growth.
- Dividend payments of 995,380,000,000 reduced retained earnings.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €1.19 Trillion | +17.72% |
| Dividends Paid | €995.38 Billion | -14.88% |
| Other Changes | €-7.08 Billion | -0.11% |
| Total Change | €- | 2.81% |
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: 0.52x
- 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 1.01x to 0.52x 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 | €34.60 | x |
| 2018-12-31 | €36.37 | €34.60 | x |
| 2019-12-31 | €38.66 | €34.60 | x |
| 2020-12-31 | €36.89 | €34.60 | x |
| 2021-12-31 | €41.80 | €34.60 | x |
| 2022-12-31 | €48.09 | €34.60 | x |
| 2023-12-31 | €60.21 | €34.60 | x |
| 2024-12-31 | €64.39 | €34.60 | x |
| 2025-12-31 | €66.21 | €34.60 | 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): 17.72%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 39.62%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.09x
- Recent ROE (17.72%) is below the historical average (18.64%), suggesting potential challenges in 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 |
| 2025 | 17.72% | 39.62% | 0.06x | 8.09x | €516.63 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: $4,067,079,478,900
- Average return on equity (ROE) among peers: 8.59%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Banco de Chile (G4RA) | €5.46 Trillion | 16.14% | 9.14x | $15.05 Billion |
| Grupo Supervielle S.A (189A) | $92.35 Billion | -5.45% | 6.55x | $590.94 Million |
| WOORI FIN. GRP SP.ADR/3 (2WGA) | $28.81 Trillion | 8.83% | 14.52x | $11.06 Billion |
| Bank of Zhengzhou Co. Ltd (3BZ) | $33.44 Billion | 12.80% | 12.03x | $226.76 Million |
| Manx Financial Group PLC (3IM) | $37.31 Million | 21.71% | 12.34x | $33.35 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $1.16 Trillion | 7.52% | 15.07x | $12.50 Billion |
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | $795.55 Billion | 9.57% | 14.82x | $13.93 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $39.20 Billion | 18.55% | 6.61x | $2.34 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $26.12 Billion | 7.27% | 10.72x | $1.28 Billion |
| Harbin Bank Co. Ltd (5H6) | $64.78 Billion | 1.77% | 14.73x | $116.65 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $9.65 Trillion | 3.37% | 22.79x | $53.42 Billion |
About Banco de Chile
Banco de Chile, together with its subsidiaries, provides commercial banking services in Chile. It operates through four segments: Retail Banking, Wholesale Banking, Treasury, and Subsidiaries. The company offers current account and digital student plans; digital and checking accounts; mortgage loans; credit and debit cards; consumer credit; applications; deposits and savings; financing; autoleasi… Read more