Banco de Chile (BCH) Cash Flow: Operating & Free Cash Flow

Banco de Chile Cash Flow Statement Analysis

Values in trillions CLP

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Banco de Chile (BCH) - Annual data in trillions CLP
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	1.19	2.50	2.75	1.45	1.58	0.40	0.60	0.60	0.57
Depreciation & Amortization	0.10	0.09	0.09	0.08	0.08	0.07	0.07	0.04	0.04
Deferred Income Tax	-0.01	0.00	0.04	-0.09	0.02	-0.06	-0.06	0.01	0.01
Change in Working Capital	-1.42	1.38	-0.19	-1.02	2.23	-3.83	0.22	-2.35	-0.01
Change in Accounts Receivable	0.26	0.00	-0.34	-0.64	1.41	-1.80	0.00	0.00	0.00
Change in Accounts Payable	0.00	-0.23	1.23	0.00	3.37	0.00	0.00	0.00	0.00
Change in Other Working Capital	-1.68	0.01	-1.29	-0.38	0.02	-2.03	0.22	-2.35	-0.01
Other Operating Activities	0.97	0.01	0.17	-0.29	0.02	0.94	0.56	0.36	0.26
Net Cash from Operating Activities	0.83	3.69	-0.19	0.13	3.01	-2.47	1.39	-1.33	0.87
Investing Activities
Capital Expenditures	-0.08	-0.07	-0.03	-0.08	-0.07	-0.05	-0.07	-0.05	-0.04
Acquisitions	0.00	0.00	0.00	0.00	-0.01	0.00	0.00	0.00	0.00
Other Investing Activities	-1.17	-0.03	-0.03	-0.83	0.00	0.24	-0.35	0.44	-1.16
Net Cash from Investing Activities	-1.19	2.03	-0.08	-0.85	-2.99	0.21	-0.40	0.42	-1.18
Financing Activities
Debt Repayment	1.02	-1.50	-1.87	0.28	-1.34	-0.35	1.12	1.03	0.37
Dividends Paid	-1.00	-0.82	-0.87	-0.54	-0.22	-0.35	-0.36	-0.37	-0.34
Other Financing Activities	0.09	-0.05	-0.05	0.09	0.04	2.16	0.04	-0.01	0.11
Net Cash from Financing Activities	0.11	-5.61	-0.31	-0.16	1.38	1.46	0.80	0.64	0.13
Summary
Effect of Forex Changes on Cash	-0.08	0.16	0.02	0.04	0.32	-0.03	0.03	0.12	-0.04
Net Change in Cash	-0.33	0.11	-0.56	-0.84	1.39	-0.83	1.83	-0.16	-0.22
Cash at Beginning of Period	3.26	2.99	3.15	4.00	2.28	3.11	1.28	1.44	1.66
Cash at End of Period	2.93	3.26	2.99	3.15	4.00	2.28	3.11	1.28	1.44
Free Cash Flow	0.75	3.62	-0.21	0.05	2.94	-2.52	1.32	-1.39	0.83
Supplemental Disclosures
Interest Paid	1.39	1.57	2.14	1.34	0.26	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Banco de Chile Cash Flow

What is Banco de Chile's free cash flow?

Banco de Chile generated free cash flow of CLP 748.78B in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of CLP 826.08B minus CLP 77.30B of capital expenditures. That was down 79.3% from CLP 3.62T a year earlier. Free cash flow equaled 25.0% of revenue.

How much does Banco de Chile spend on capital expenditures?

Banco de Chile spent CLP 77.30B on capital expenditures in fiscal 2025, compared with CLP 74.84B a year earlier. That equals 9.4% of operating cash flow.

Does Banco de Chile pay dividends or buy back shares?

Yes. In fiscal 2025 Banco de Chile returned CLP 995.38B in dividends to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition