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0001292814-07-002294.txt : 20070802
0001292814-07-002294.hdr.sgml : 20070802
20070802170737
ACCESSION NUMBER: 0001292814-07-002294
CONFORMED SUBMISSION TYPE: 6-K
PUBLIC DOCUMENT COUNT: 13
CONFORMED PERIOD OF REPORT: 20070630
FILED AS OF DATE: 20070802
DATE AS OF CHANGE: 20070802
FILER:
COMPANY DATA:
COMPANY CONFORMED NAME: BANK OF CHILE
CENTRAL INDEX KEY: 0001161125
STANDARD INDUSTRIAL CLASSIFICATION: COMMERCIAL BANKS, NEC [6029]
IRS NUMBER: 000000000
FILING VALUES:
FORM TYPE: 6-K
SEC ACT: 1934 Act
SEC FILE NUMBER: 001-15266
FILM NUMBER: 071021271
BUSINESS ADDRESS:
STREET 1: BANCO DE CHILE NEW YORK BRANCH
STREET 2: 535 MADISON AVE 9TH FL
CITY: NEW YORK
STATE: NY
ZIP: 10022
BUSINESS PHONE: 2127580909
6-K
1
bchpr2q07_6k.htm
2007 SECOND QUARTER RESULTS
Provided by MZ Data Products
FORM 6-K
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Report of Foreign Private Issuer
Pursuant to Rule 13a-16 or 15d-16
of the Securities Exchange Act of 1934
For the month of August, 2007
Commission File Number 001-15266
BANK OF CHILE
(Translation of
registrant's name into English)
Ahumada 251
Santiago, Chile
(Address of
principal executive offices)
Indicate by check mark whether the registrant files or will file
annual reports under cover Form 20-F or Form 40-F.
Form 20-F___X___ Form 40-F
Indicate by check mark if the registrant is submitting the Form
6-K in paper as permitted
by Regulation S-T Rule 101(b)(1): ____
Indicate by check mark if the registrant is submitting the Form
6-K in paper as permitted
by Regulation S-T Rule 101(b)(7): ____
Indicate by check mark whether by furnishing the information
contained in this Form, the
registrant is also thereby furnishing the
information to the Commission pursuant to Rule
12g3-2(b) under the
Securities Exchange Act of 1934.
Yes____ No___X___
If "Yes" is marked, indicate below the file number assigned to
the registrant in
connection with Rule 12g3-2(b): 82- ________
BANCO DE CHILE
REPORT ON FORM 6-K
Attached is a Press Release issued by Banco de Chile (the Bank) on August 2, 2007, regarding its results for the Second Quarter ended June 30, 2007.
![](cabecalho.gif)
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![](fp1a.gif) |
2007 Second Quarter Results |
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FINANCIAL HIGHLIGHTS |
Santiago, Chile, August 2, 2007 Banco de Chile (NYSE: BCH), a full service Chilean financial institution, market leader in a wide variety of credit and non credit products and services across all segments of the Chilean financial market,
today announced its results for the second quarter ended June 30, 2007. |
|
- Banco de Chile (hereinafter the Bank) posted a net income of Ch$52,343 million in the second quarter of 2007, a rise of 8.9% from the previous quarter and, 8.0% below the record high figure reported in 2Q06. ROAE for 2Q07 was 27.3%
as compared to 22.2% in 1Q07 and 31.2% for 2Q06.
- During 2Q07 the Banks total loans, net of interbank, grew by 6.1%, a 32 basis point increase in market share to 18.14% in 2Q07 from 17.82% in the previous quarter.
-
In May 2007, Banco de Chile issued and distributed to its shareholders 882,459,200 fully paid-in shares as a result of the capitalization of 30% of 2006 net income. As a result, the Banks capital, at the time, was divided into 69,920,023,865
registered shares, with no par value.
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Selected Financial Data
(in constant Ch$ as of June 30, 2007, except for percentages) |
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% Change
2Q07/2Q06 |
|
2Q06 |
|
1Q07 |
|
2Q07 |
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|
|
|
|
|
|
|
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Income Statement (Millions of Chilean pesos) |
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Net financial incom e(1) |
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119,318 |
|
106,953 |
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123,983 |
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3.9% |
Fees and incom e from s ervices |
|
33,313 |
|
38,969 |
|
41,027 |
|
23.2% |
Gains (Loss es) on financial ins trum ents & |
|
|
|
|
|
|
|
|
non-forwards derivatives , net |
|
(3,988) |
|
1,435 |
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(245) |
|
(93.9)% |
Operating revenues |
|
148,643 |
|
147,357 |
|
164,765 |
|
10.8% |
Provisions for loan los ses |
|
(7,291) |
|
(12,893) |
|
(14,403) |
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97.5% |
Operating expenses |
|
(77,441) |
|
(80,362) |
|
(81,163) |
|
4.8% |
Net income |
|
56,890 |
|
48,075 |
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52,343 |
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(8.0)% |
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Earnings per Share (Chilean pesos) |
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Net incom e per s hare |
|
0.82 |
|
0.70 |
|
0.75 |
|
(8.5)% |
Book value per share |
|
10.95 |
|
10.63 |
|
11.23 |
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2.6% |
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|
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|
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Balance Sheet (Millions of Chilean pesos) |
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|
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Loan portfolio, net of interbank |
|
9,038,306 |
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9,891,966 |
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10,497,898 |
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16.1% |
Total assets |
|
11,834,332 |
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12,885,211 |
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13,689,487 |
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15.7% |
Shareholders ' equity |
|
755,520 |
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733,899 |
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785,572 |
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4.0% |
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Ratios |
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Profitability |
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|
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|
|
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Return on average assets (ROAA) |
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1.93% |
|
1.49% |
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1.56% |
|
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Return on average s hareholders' equity (ROAE) |
|
31.2% |
|
22.2% |
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27.3% |
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Net Financial Margin(2) |
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4.6% |
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3.8% |
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4.1% |
|
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Efficiency ratio (operat. expens es/operat. revenues) |
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52.1% |
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54.5% |
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49.3% |
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Credit Quality |
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Past due loans / Total loans |
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0.75% |
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0.64% |
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0.68% |
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Allowances for loan losses/ Total loans |
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1.62% |
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1.54% |
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1.48% |
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Allowances for loan losses/ Past due loans |
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215.4% |
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239.2% |
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218.7% |
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Capital Adequacy |
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Total capital / Ris k adjusted ass ets |
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11.7% |
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11.1% |
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10.7% |
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|
1 Net interest revenue, foreign exchange transactions, net and gains from forwards derivatives instruments, net. |
2 Net financial income divided by average interest earning assets. |
|
![](bch.gif) |
2007 Second Quarter Results |
|
Second Quarter 2007 Highlights
-
Approved capital increase.
At the Banks Extraordinary Shareholders Meeting held on May 17, 2007, a Ch$110,000 million capital increase (approximately US$210 million) was approved by means of the issuance of 2.52 billion cash
shares to be subscribed and paid at the price of Ch$40.50 per share, as established by the Board of directors in last June 14.
In the first period of preferential rights offer, already concluded, 59% of the new shares were offered to current Banco de Chile and SM-Chile shareholders, with a 93% effective sales ratio at the established price, while the remaining 7% portion
was publicly offered on July 25 and sold at a price of Ch$45.06 per share. The total amount collected at this stage stands to Ch$60,697 million.
These shares were not registered to be offered in the United States or to U.S. persons. However, the produce of the sale of preemptive rights obtained during the first period, and which correspond to ADR holders, was received by JPMorgan Chase Bank
as Depositary Bank and will be distributed to registered ADR holders when authorized.
The second stage of the preemptive offer, involving the remaining 41% block of shares, will end by September 4 and, thereafter, any remaining shares will be offered to the public on the local Stock Exchange.
The new capital injection, together with the partial capitalization of the 2006 net income previously mentioned, will allow the Bank to strengthen its capital base and sustain future loan growth.
-
Quiñenco S.A. has announced an agreement with Citigroup to merge Banco de Chile with Citigroups banking operations in Chile. On July 19, 2007, Citigroup Inc (Citigroup) and Quiñenco informed that
they have entered into a contract which contemplates a strategic partnership of their financial businesses and services in or with respect to Chile, subject to the prior authorization of the relevant authorities in Chile and in the United States of
America.
According to what was informed, Citigroup will initially acquire an approximately 32.96% stake of LQ Inversiones Financieras S.A., the parent corporation of Banco de Chile, while retaining the right to gradually increase its stake up to 50% over the next 28 months following the date of closure of the operation, planned for the first day of 2008. Citibank in Chile has a 2% market share in
total loans which includes Financiera Atlas, a relevant and experienced player in the lower end consumer credit business.
-
Changes to Banco Chiles Board of Directors. On July 26, 2007, the Board of Directors accepted the resignations submitted by the Director Mr. Thomas Furst Freiwirth, and by the alternate Directors Messrs. Jorge Diaz Vial and Jorge
Ergas Heymann. Until the next Ordinary Shareholders Meeting, Mr. Fernando Quiroz Robles, CEO of Citi (NYSE: C) Markets & Banking for Latin America, has been appointed as new Director for Banco de Chile.
Likewise, until the next Ordinary Shareholders Meeting Mr. Thomas Furst Freiwirth has been appointed as first alternate Director and Mr. Jorge Ergas Heymann as second alternate Director.
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Banco de Chiles ratings were upgraded during 2Q07. Banco de Chiles financial strength rating (BFSR) was upgraded from C+ to B- by Moodys Investors Agency, reflecting the Banks important market share, management
depth, and its solid financial fundamentals. The Banks local currency deposit rating was lifted to Aa2 while the long term foreign currency deposit rating was affirmed in A2, this rating being restrained by the countrys ceiling.
In addition, Fitch Ratings raised the ratings of the Banks long-term debt instruments (bonds and mortgage bonds) to AAA from AA+, and of subordinated bones to AA+ from AA. During the same quarter, Feller rate raised the Banks stock
rating from First Class Level 2 to First Class Level 1, also affirming its solvency classification in AA+ with a stable outlook. The revised ratings reflect the Banks strong franchise and importance to the Chilean banking system, its healthy
and diversified asset portfolio and an adequate capital base.
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![](bch.gif) |
2007 Second Quarter Results |
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-
Banchile Stock Brokerage pioneers in bonds issuance. The Stock Brokerage subsidiary participated in the placement of the first corporate bond issuance from a caja de compensación (a non-profit social security
benefits administrator). This successful transaction, in the amount of Ch$61,385 million, represents one of the highest placements of a nominal corporate bond in the Chilean market.
The bonds were issued by market leader Caja de Compensación los Andes in order to restructure its financial obligations.
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Local bonds placement. Last June, the Bank placed UF2 million local inflation-adjusted bonds (equivalent to US$70.6 million), at a real interest rate of 3.9%, with a maturity of 10 years. The bonds were rated AA+ by Feller Rate and Fitch
Ratings agencies.
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Important recognitions. The Bank was nominated for the second consecutive year as the top financial company in Chile in terms of shareholder value creation according to the 2006 annual survey conducted by the Chilean magazine Revista Capital
and Santander Investment.
In addition, Banco de Chile was one of the four Chilean companies included in the Reptrak ranking, which listed the 200 Worlds Most Respected Companies. This annual survey which measures corporate reputation is conducted by the Reputation
Institute, a New York consulting firm.
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Distribution network expansion. Following forward its expansion plans, the Bank added 9 new branches to its network during 2Q07. With the opening of these branches the Bank confirmed its commitment of being close to its clients and support
commercial opportunities and economic growth in the country. As of June 2007, total branch network rose to 293 offices, from 249 as of June 2006, while the number of ATMs expanded to 1,426 from 1,332 in the same period.
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Advances in technology. During June 2007, the Bank concluded the implementation of the new teller solution, known as Genesis in the branches of both Banco de Chile and Banco Edwards. This solution is enabling more accurate
customer service. During the next months the teller solution will be expanded as well to Banco CrediChile consumer division.
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![](bch.gif) |
2007 Second Quarter Results |
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Financial System Highlights |
-
The new proposal to the second capital market reform (MKII) bill was promulgated on June 2007. This law amended the General Banking Law redefining technical reserve requirements, reducing the amounts to be kept at the Central Bank,
thus providing additional liquidity for banks. Maximum credit exposures were also amplified from 5 to 10% of capital and reserves.
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The Chilean Financial System posted net income of Ch$231 million in the second quarter of 2007, a slight decrease of 2.2% as compared to Ch$236 million registered during the same quarter of last year. Lower results mainly reflected
higher provisions for loan losses, as a consequence of continued growth in higher risk segments and, to a lesser extent, higher operating expenses. However, the efficiency ratio has remained almost stable as operating revenues performed well. Return on Average Equity (ROAE) for 2Q07 was 16.4% as compared to 18.0% for 2Q06 and 15.7% for 1Q07.
-
Total loans, net of interbank loans, as of June 30, 2007, totaled US$108,872 million, a 14.2% annual increase and a 3.1% quarterly expansion. Consumer and residential mortgage loans continue to drive total loan growth, with a year-on-year
increase of 15.3% and 16.0%, respectively. While demand for consumer loans showed some moderation, demand for residential mortgage loans continued to be strong due to the still low long-term interest rates and the decrease in the unemployment
rate.
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![](bch.gif) |
2007 Second Quarter Results |
|
Banco de Chile 2007 Second-Quarter
Consolidated Results
The Bank continued to register a strong performance during 2Q07, with a net income of Ch$52,343 million, fueled by record levels of operating revenues.
In terms of these results, the Bank reached an annualized return on average assets (ROAA) and annualized return on average shareholders equity (ROAE) of 1.56% and 27.3%, respectively, well above the financial systems
comparable figures for the quarter of 1.22% and 16.2% .
Despite strong operating revenues, net income for 2Q07 was 8.0% lower than the Ch$56,890 million for 2Q06, the largest quarterly net income ever obtained by the Bank. This decrease was, to a large extent, a consequence of non-recurring other
income registered in 2Q06 and a lower level of provisions for loan losses posted in 2Q06. However, better operating performance of both, foreign branches and the Banks subsidiaries contributed to partially offset the aforementioned
factors.
Net income from subsidiaries amounted to Ch$7,104 million in 2Q07, a 55.9% increase relative to 2Q06, mainly due to higher profits attained by the Securities Brokerage and the Mutual Funds subsidiaries, principally driven by higher fee
income.
The Banks Mutual Fund subsidiary continues to create new products in order to better serve the different requirements of its investors, thus giving them several alternatives to diversify into international assets. As a consequence, and
supported by the Banks extensive distribution network, the number of participants jumped to 213,211 in 2Q07 from 178,862 in 2Q06, while average funds under management increased importantly by 32% comparing same periods.
The Securities Brokerage higher net income was mainly a result of higher stock volume transactions, which grew by almost 90% given the strong performance of Chilean stock market and, to a lesser extent, due to higher fees from both asset management
and investment banking activities.
The improved net income attained by the Banks foreign branches during 2Q07 of Ch$1,214 million, up from a loss of Ch$3,725 million in 2Q06, was mainly explained by the significant drop in operating expenses, mostly related to advisory
expenses incurred upon the implementation of an improved organizational structure with additional risk control.
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Bank , Subsidiaries and Foreign Branches' Net Income |
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(in millions of Chilean pesos) |
|
2Q06 |
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1Q07 |
|
2Q07 |
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% Change
2Q07 / 2Q06 |
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|
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|
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Bank |
|
56,059 |
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38,756 |
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44,025 |
|
(21.5)% |
Foreign Branches |
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(3,725) |
|
759 |
|
1,214 |
|
- |
Securities Brokerage |
|
1,040 |
|
2,384 |
|
2,390 |
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129.8% |
Mutual Funds |
|
2,181 |
|
3,252 |
|
3,307 |
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51.6% |
Insurance Brokerage |
|
528 |
|
759 |
|
465 |
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(11.9)% |
Financial Advisory |
|
109 |
|
244 |
|
16 |
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(85.3)% |
Factoring |
|
268 |
|
1,897 |
|
396 |
|
47.8% |
Securitization |
|
(22) |
|
(19) |
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(14) |
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(36.4)% |
Promarket (sales force) |
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26 |
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(120) |
|
154 |
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492.3% |
Socofin (collection) |
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379 |
|
112 |
|
358 |
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(5.5)% |
Trade Services |
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47 |
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51 |
|
32 |
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(31.9)% |
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Total Net Income |
|
56,890 |
|
48,075 |
|
52,343 |
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(8.0)% |
|
Total net income increased by 8.9% in 2Q07 as compared to the previous quarter. This increase was mainly a result of higher net financial income driven by a significant expansion in the loan portfolio and by an increase in the net financial margin.
The latter was positively impacted by a higher inflation rate which, conversely triggered higher losses from price level restatement.
The contribution of the Banks subsidiaries declined during 2Q07, as compared to the earlier quarter, principally due to the lower results of the Factoring subsidiary. These lower results were mainly caused by the impact of a higher inflation
rate during 2Q07 as most of the companys assets, denominated in nominal Chilean pesos, were partially financed by UF denominated interest bearing liabilities. To a lesser extent, the Financial Advisory and the Insurance subsidiaries also
registered lower net income in the current quarter. Higher net income from the Financial Advisory subsidiary during 1Q07 was mostly related to its participation in the arrangement of a relevant strategic alliance as well as in a syndicated loan.
Regarding the higher income obtained by the Insurance Brokerage in the previous quarter, this was consequence of the increase in the number of policies sold.
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![](bch.gif) |
2007 Second Quarter Results |
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![](fp6a.gif)
Net financial income increased to Ch$123,983 million in 2Q07 compared to Ch$119,318 million in 2Q06, mainly as a result of a 16.3% growth in average interest earning assets, which more than offset the 50 basis points decrease in the net
financial margin from 4.61% in 2Q06 to 4.11% in 2Q07.
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|
(in millions of Chilean pesos) |
|
2Q06 |
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1Q07 |
|
2Q07 |
|
% Change
2Q07 / 2Q06 |
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|
|
|
|
|
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Interest revenue |
|
231,534 |
|
201,948 |
|
265,780 |
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14.8% |
Interest expense |
|
(114,707) |
|
(95,709) |
|
(142,356) |
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24.1% |
Foreign Exchange transactions, net |
|
(7,489) |
|
817 |
|
12,632 |
|
- |
Gains (losses) from forwards derivatives |
|
|
|
|
|
|
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contracts |
|
9,980 |
|
(103) |
|
(12,073) |
|
- |
|
Net Financial Income(1) |
|
119,318 |
|
106,953 |
|
123,983 |
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3.9% |
|
Avg. Int. earning assets |
|
10,363,528 |
|
11,419,755 |
|
12,056,276 |
|
16.3% |
Net Financial Margin(2) |
|
4.6% |
|
3.8% |
|
4.1% |
|
- |
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_________________________________
1 Net interest revenue, foreign exchange transactions and gains from forwards derivative contracts, net.
2
Net financial income divided by average interest earning assets.
The increase in average interest earning assets was driven by a 16.0% growth in the average loan portfolio, principally led by commercial loans, residential mortgage loans, contingent and consumer loans, and, to a lesser extent, by a 9.1% increase
in the average investment portfolio between the same periods.
The decrease in net financial margin between 2Q07 and 2Q06 mainly resulted from:
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The impact of a flatter yield curve during the last quarters, thus reducing the quarterly net financial margin (the difference between the annual short-term and 5 year interest rates was 1.14% in 2Q06 as compared to 0.69% in 2Q07).
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Lower lending spreads derived from increased competition.
These negative factors were moderated by a slight increase in the inflation rate, measured by the 1.6% fluctuation of the UF during 2Q07, compared to a 1.5% in 2Q06. This implied that during 2Q07 the Bank earned higher interest income on the portion
of UF denominated interest earning assets financed by non-interest bearing liabilities.
Compared to 1Q07, net financial income for 2Q07 increased by 15.9%, mainly as a consequence of a 36 basis points increase in net financial margin and a 5.6% expansion in average interest earning assets.
Net financial margin growth was mostly driven by a higher inflation rate, measured by the variation of the UF, which climbed to 1.6% in 2Q07 from 0.01% in 1Q07. This factor was partially offset by a positive repricing effect in 1Q07 as compared to
2Q07, as the Chilean Central Bank decreased the monetary policy interest rate by 25 basis points during 1Q07 and maintained the rate stable during 2Q07.
|
![](bch.gif) |
2007 Second Quarter Results |
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FEES AND INCOME FROM SERVICES, NET |
|
|
|
|
|
|
|
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|
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Fees and Income from Services, net, by Company |
|
(in millions of Chilean pesos) |
|
2Q06 |
|
1Q07 |
|
2Q07 |
|
% Change |
|
|
|
|
2Q07 / 2Q06 |
|
|
|
|
|
|
|
|
|
Bank |
|
17,922 |
|
20,130 |
|
21,565 |
|
20.3% |
Mutual Funds |
|
6,877 |
|
7,906 |
|
8,678 |
|
26.2% |
Financial Advisory |
|
246 |
|
398 |
|
115 |
|
(53.3)% |
Insurance Brokerage |
|
2,483 |
|
3,008 |
|
2,692 |
|
8.4% |
Securities Brokerage |
|
2,175 |
|
4,106 |
|
4,237 |
|
94.8% |
Factoring |
|
209 |
|
196 |
|
299 |
|
43.1% |
Socofin |
|
2,703 |
|
2,619 |
|
2,824 |
|
4.5% |
Securization |
|
25 |
|
22 |
|
41 |
|
64.0% |
Promarket |
|
0 |
|
0 |
|
0 |
|
- |
Foreign Branches |
|
612 |
|
520 |
|
537 |
|
(12.3)% |
Trade Services |
|
61 |
|
64 |
|
39 |
|
(36.1)% |
|
Total Fees and |
|
|
|
|
|
|
|
|
Income from Services |
|
33,313 |
|
38,969 |
|
41,027 |
|
23.2% |
|
Fees, net |
|
35,451 |
|
39,835 |
|
42,925 |
|
21.1% |
Other Services, net |
|
(2,138) |
|
(866) |
|
(1,898) |
|
(11.2)% |
|
Total Fees and income from services amounted to Ch$41,027 million in 2Q07 as compared to Ch$33,313 million in 2Q06. This 23.2% increase was largely driven by a 28% growth in subsidiary-related fees, in addition to higher fees from checking
accounts and ATM, credit cards and fees related to loans registered by the Bank. It is worth mentioning that in the previous quarter the Bank made a reclassification of its sales force expenses accounted previously as income from services into
operating expenses, as a consequence of the new Chilean law that regulates labor outsourcing. Consequently, the fee income figure for 2Q07 must consider an approximately Ch$3,500 million reclassification in order to allow for an accurate
comparison with the 2Q06 figure.
Higher fee income from subsidiaries was mainly generated by the Mutual Fund and Securities Brokerage subsidiaries. To a lesser extent, higher fees coming from the insurance, factoring and Socofin collection businesses also contributed to the
mentioned increase.
On the core business front, the Bank continued to enhance its strong portfolio of products and services as well as its extensive distribution network in order to increase the number of clients and product usage. In effect, the number of valid credit
cards grew by 13.9% during the last twelve-months (as of May 2007), while the number of debit cards and the number of checking accounts showed annual increases of 58% (as of March 2007) and 10.7% (as of June 2007), respectively.
In addition, fees related to ATMs and debit cards have been positively impacted by both the x% increase in the ATMs network in the last twelve months and by the payroll agreements campaigns developed by the Banks consumer division together
with the corporate divisions.
As compared to the previous quarter, fees and income from services increased an important 5.3% during 2Q07 in response to higher fees related to mutual funds, insurance business (accounted as by the Bank and the subsidiary), credit cards, foreign
trade and collection services. This increase in income from services was in part offset by higher fees paid to the sales force, higher services expenses coming from assets received in lieu of payment, as well as, lower fee income attained from the
Financial Advisory subsidiary.
![](fp7a.gif)
|
GAINS (LOSSES) ON FINANCIAL INSTRUMENTS & NON-FORWARD DERIVATIVES, NET |
|
|
|
|
|
|
|
|
|
|
(in millions of Chilean pesos) |
|
2Q06 |
|
1Q07 |
|
2Q07 |
|
% Change |
|
|
|
|
2Q07 / 2Q06 |
|
|
|
|
|
|
|
|
|
Gains (losses) on financial instruments, net |
|
(4,926) |
|
2,943 |
|
(4,082) |
|
(17.1)% |
Gains (losses) from non-forward derivatives contracts |
|
938 |
|
(1,508) |
|
3,837 |
|
309.1% |
Subtotal |
|
(3,988) |
|
1,435 |
|
(245) |
|
(93.9)% |
Gains (losses) from forward contracts |
|
9,980 |
|
(103) |
|
(12,073) |
|
- |
|
Gains from trading activities and derivatives |
|
|
|
|
|
|
|
|
instruments, net |
|
5,992 |
|
1,332 |
|
(12,318) |
|
- |
|
Results on financial instruments and non-forward derivatives contracts for 2Q07 amounted to a loss of Ch$245 million as compared to a loss of Ch$3,988 million for 2Q06. Losses accounted in 2Q06 resulted, to a large extent, from investment
securities held by the Bank (mainly corporate bonds and mortgage finance bonds), the Stock Brokerage Subsidiary and Foreign branches as a result of an increase in both local and foreign long- term real interest rates. During 2Q07 long-term interest
rates also increased implying losses mainly in Chilean securities. Nevertheless, these losses were somewhat offset by earnings registered from Latin American securities (mainly from Brazil and Colombia) as a result of the impact of an improvement in the risk premium which positively affected the value of these investments.
|
![](bch.gif) |
2007 Second Quarter Results |
|
Conversely, the positive figure of Ch$1,460 million for 1Q07 was predominantly the outcome of benefits obtained by the investment portfolio as a consequence of the slight decrease in local long-term interest rates during such quarter.
|
PROVISIONS FOR LOANS LOSSES |
Provisions for loan losses amounted to Ch$14,403 million in 2Q07 as compared to Ch$7,291 million in 2Q06. This growth continues to be in line with the loan portfolio expansion mainly in the retail segment and its associated higher risk
levels. Hence, the annualized gross ratio of provisions for loan losses over average loans increased from 3.37% in 2Q06 to 4.04% in 2Q07 for consumer loans, while it increased from 0.37% to 0.48% in commercial loans between the same periods.
Therefore, the Banks ratio of provisions for loan losses net of recoveries to average loans increased to 0.56% in 2Q07 compared to 0.33% in 2Q06. However, this figure remains quite below the systems average of 0.81% for the current quarter.
The increase in provisions for loan losses observed in 2Q07 as compared to 1Q07 was mainly attributed to both higher provisions established, net, essentially coming from the commercial portfolio and to a decrease in loan loss recoveries.
Accordingly, the ratio of recoveries to average loans decreased to 0.27% from 0.36% between 2Q07 and 2Q06.
|
|
|
|
|
|
|
|
|
|
Allowances and Provisions |
|
(in millions of Chilean pesos) |
|
2Q06 |
|
1Q07 |
|
2Q07 |
|
% Change |
|
|
|
|
2Q07 / 2Q06 |
|
|
|
|
|
|
|
|
|
Allowances |
|
|
|
|
|
|
|
|
|
Allowances at the beginning of each period |
|
146,582 |
|
147,734 |
|
153,054 |
|
4.4% |
Price-level restatement |
|
(2,091) |
|
(435) |
|
(2,415) |
|
15.5% |
Charge-off |
|
(13,290) |
|
(14,878) |
|
(16,760) |
|
26.1% |
Provisions for loan losses established, net |
|
15,356 |
|
20,633 |
|
21,487 |
|
39.9% |
|
|
|
|
|
|
|
|
|
Allowances at the end of each period |
|
146,557 |
|
153,054 |
|
155,366 |
|
6.0% |
|
Provisions for loan losses |
|
|
|
|
|
|
|
|
|
Provisions for loan losses established |
|
(15,356) |
|
(20,633) |
|
(21,487) |
|
39.9% |
Loan loss recoveries |
|
8,065 |
|
7,740 |
|
7,084 |
|
(12.2)% |
|
|
|
|
|
|
|
|
|
Provisions for loan losses |
|
(7,291) |
|
(12,893) |
|
(14,403) |
|
97.5% |
|
Ratios |
|
|
|
|
|
|
|
|
|
|
|
Allowances for loan losses/ Total loans |
|
1.62% |
|
1.54% |
|
1.48% |
|
|
Provisions for loan losses / Avg. Loans |
|
0.33% |
|
0.52% |
|
0.56% |
|
|
Charge-offs / Avg. Loans |
|
0.60% |
|
0.60% |
|
0.65% |
|
|
Recoveries / Avg. Loans |
|
0.36% |
|
0.31% |
|
0.27% |
|
|
|
|
|
|
OTHER INCOME AND EXPENSES |
Total Other Income and Expenses amounted to a negative Ch$2,833 million during 2Q07 as compared to a positive Ch$5,129 million in 2Q06. The main reason of this decrease is that the prior-years quarterly figure included a non-recurring
tax release of Ch$3,304 million which originated from the recognition of a difference between the effective taxes paid and the amounts provisioned in prior periods. In addition, lower 2Q07 other income and expenses also respond to losses related to assets received in lieu of payment, as well as losses resulting from the Banks participation in the Administrador Financiero de Transantiago ("AFT"), a consortium responsible for the financial management of the urban transportation system in Santiago.
The change in Other Income and Expenses from Ch$979 million in 1Q07 to the aforementioned expense of Ch$2,833 million was mainly explained by: (i) higher charge offs from the sale of assets received in lieu of payment in 2Q07, (ii) lower participation in earnings of equity investments (AFT), (iii) higher non-credit related provisions and, (iv) the recognition of non-recurring income recorded in 1Q07 related to the sale of a fixed asset
(property) and an insurance indemnity.
|
![](bch.gif) |
2007 Second Quarter Results |
|
Total operating expenses in 2Q07 amounted to Ch$81,163 million, an increase of 4.8% as compared to 2Q06, mainly as a consequence of:
-
A reclassification of approximately Ch$3,500 million from the fee income and services line to personnel salaries and expenses. It is worth noting that this reclassification has been made since the previous quarter as the Bank modified its
contract with Promarket subsidiary (sales force) incorporating an important number of personnel as permanent employees, in compliance with the new Chilean labor law that regulates labor outsourcing.
-
Higher level of personnel salaries and expenses related to an increase in the number of employees mainly related to Banco Credichile and the Individuals and Middle Market Division as a consequence of the expansion in the retail market and the
distribution network.
-
Higher expenses related to communication and software mainly associated with the strengthening of the Banks technological and transactional capacity and ATM network.
-
Higher rental and maintenance expenses related to the expansion of the Banks distribution network.
It is worth mentioning that higher operating expenses were partially offset by an important decrease in advisory expenses accounted for by the foreign branches related to the requirements of US regulators in compliance matters.
Regarding the slight increase in operating expenses from 1Q07 to 2Q07, this was mostly due to: (i) an increase in personnel salaries mainly related to the sales force and to higher indemnities expenses accounted by the Stock Brokerage subsidiary,
(ii) higher computer and communication expenses and, to a lesser extent, (iii) higher depreciation and amortization expenses.
The Banks record operating revenues posted in 2Q07 positively impacted the efficiency ratio, which improved to 49.3% in 2Q07 from 52.1% in 2Q06 and 54.5% in the previous quarter.
|
|
|
|
|
|
|
|
|
Operating Expenses |
|
(in millions of Chilean pesos) |
|
2Q06 |
|
1Q07 |
|
2Q07 |
|
% Change |
|
|
|
|
2Q07 / 2Q06 |
|
|
|
|
|
|
|
|
|
Personnel salaries and expenses |
|
(39,508) |
|
(46,487) |
|
(46,746) |
|
18.3% |
Administrative and other expenses |
|
(33,015) |
|
(28,460) |
|
(28,783) |
|
(12.8)% |
Depreciation and amortization |
|
(4,918) |
|
(5,415) |
|
(5,634) |
|
14.6% |
|
Total operating expenses |
|
(77,441) |
|
(80,362) |
|
(81,163) |
|
4.8% |
|
Efficiency Ratio* |
|
52.1% |
|
54.5% |
|
49.3% |
|
- |
|
* Operating expenses/Operating revenues |
|
LOSS (GAINS) FROM PRICE- LEVEL RESTATEMENT |
Loss from price-level restatement increased to Ch$7,661 million in 2Q07 as compared to Ch$6,111 million during 2Q06 mainly as a consequence of: (i) a higher inflation rate used for adjustment purposes of 1.6% for 2Q07 as compared to 1.5% in
2Q06 and (ii) an increase in non-monetary liabilities, net, as a result of the partial capitalization of the 2006 net income.
In 2Q07, the Bank recorded a tax expense of Ch$6,362 million as compared to Ch$6,039 million in 2Q06, reflecting effective tax rates of 10.8% and 9.6%, in the respective periods.
|
![](bch.gif) |
2007 Second Quarter Results |
|
![](fp10a.gif)
The Banks robust business strategies together with its successful network expansion have generated solid annual loan growth which, in turn, has implied a strong performance in operating revenues. As of June 30, 2007, the Banks loan
portfolio, net of interbank loans, totaled Ch$10,497,898 million, a 16.1% increase as compared to Ch$9,038,306 million a year ago.
The 18.8% annual loan growth of the retail segment has been particularly noteworthy, mainly fostered by consumer and mortgage loans financed by the Banks general borrowings. It is worth mentioning that the Bank continues to work on
strengthening the relationship with its clients by making internal structural changes and empowering its branches as business centers with higher service quality standards and higher efficiency. In addition, the highly competitive products, fostered by sales campaigns and marketing initiatives, have allowed the Bank to increase the number of retail debtors by 14.7% during the last twelve-months.
The annual loan portfolio expansion was also driven by the wholesale segment which grew by 12.1% . Within this segment, commercial and contingent loans showed strong growth, mainly coming from the financial services and infrastructure sectors. In
addition, foreign trade loans picked up during the first half of 2007 thus allowing a significant 19.5% growth during the last twelve-months mainly fueled by the strength of the export sector. Factoring and lease contracts continued to expand
importantly and recorded an annual growth of 14.5% and 20.7%, respectively.
During 2Q07 the Bank registered a 6.1% growth in the loan portfolio, net of interbank loans, resulting in a market share increase from 17.8% in 1Q07 to 18.1% in 2Q07. The quarterly loan growth was mainly the result of important loan expansion in
residential mortgage loans, commercial, foreign trade and contingent loans. In terms of segments, wholesale loans grew by approximately 5.5% as compared to 4.3% increase in the retail sector during the quarter.
|
|
|
|
|
|
|
|
|
|
|
|
Loan Portfolio |
|
(in millions of Chilean pesos) |
|
Jun-06 |
|
Mar-07 |
|
Jun-07 |
|
% Change |
|
% Change |
|
|
|
|
12 - months |
|
2Q07 / 1Q07 |
|
|
|
|
|
|
|
|
|
|
|
Commercial Loans |
|
3,771,211 |
|
4,118,149 |
|
4,287,373 |
|
13.7% |
|
4.1% |
Mortgage Loans 1 |
|
641,306 |
|
563,215 |
|
525,595 |
|
(18.0)% |
|
(6.7)% |
Consumer Loans |
|
984,245 |
|
1,132,666 |
|
1,148,473 |
|
16.7% |
|
1.4% |
Foreign trade Loans |
|
697,531 |
|
724,693 |
|
833,234 |
|
19.5% |
|
15.0% |
Contingent Loans |
|
921,242 |
|
946,961 |
|
1,053,579 |
|
14.4% |
|
11.3% |
Others Outstanding Loans 2 |
|
1,462,520 |
|
1,777,194 |
|
1,984,531 |
|
35.7% |
|
11.7% |
Leasing Contracts |
|
492,202 |
|
565,105 |
|
594,075 |
|
20.7% |
|
5.1% |
Past-due Loans |
|
68,049 |
|
63,983 |
|
71,038 |
|
4.4% |
|
11.0% |
Total Loans, net |
|
9,038,306 |
|
9,891,966 |
|
10,497,898 |
|
16.1% |
|
6.1% |
Interbank Loans |
|
0 |
|
50,813 |
|
0 |
|
- |
|
(100.0)% |
|
Total Loans |
|
9,038,306 |
|
9,942,779 |
|
10,497,898 |
|
16.1% |
|
5.6% |
|
1Mortgage loans financed by mortgage bonds.
2
Includes mortgage loans financed by the Banks general borrowings and factoring contracts.
|
![](bch.gif) |
2007 Second Quarter Results |
|
|
|
|
|
|
|
|
|
|
|
|
|
Past Due Loans |
|
(in millions of Chilean pesos) |
|
Jun-06 |
|
Mar-07 |
|
Jun-07 |
|
% Change |
|
% Change |
|
|
|
|
12 - months |
|
2Q07 / 1Q07 |
|
|
|
|
|
|
|
|
|
|
|
Commercial loans |
|
52,650 |
|
47,807 |
|
55,576 |
|
5.6% |
|
16.3% |
Consumer loans |
|
4,296 |
|
7,158 |
|
6,954 |
|
61.9% |
|
(2.8)% |
Residential mortgage loans |
|
11,103 |
|
9,018 |
|
8,508 |
|
(23.4)% |
|
(5.7)% |
|
Total Past Due Loans |
|
68,049 |
|
63,983 |
|
71,038 |
|
4.4% |
|
11.0% |
|
Past due loans amounted to Ch$71,038 million as of June 30, 2007, showing an annual increase of 4.4%, mainly driven by commercial and consumer loans in line with the Banks loan growth and the higher levels of risk associated to the retail
sector.
The quarterly increase in past due loans was mainly fueled by commercial loans predominantly related to the manufacturing and agricultural sectors, partially offset by a decrease in past due loan associated to consumer and residential mortgage
loans.
Asset quality indicators remained very sound over the current quarter. Past due loans to total loans improved to 0.68% in 2Q07 from 0.75% in 2Q06 and remained almost flat as compared to the previous quarter. In addition, allowances stood to more
than twice the level of past due loans reaching a 218.7% in 2Q07 as compared to 215.4% in 2Q06 or 239.2% in 1Q07.
Total liabilities amounted to Ch$12,903,915 million as of June 2007, an annual expansion of 16.5%, as a consequence of a 17.9% increase in non-interest bearing liabilities and a 15.9% growth in interest bearing liabilities.
The 17.9% annual growth in non-interest bearing liabilities was mainly related to contingent liabilities and to current accounts. It is worth mentioning that the number of current accounts has increased by 10.7% during the last twelve months mainly
as result of multiple marketing activities, superior service quality, extended distribution channels and the still low nominal interest rates levels observed within the market. In unconsolidated terms, the Banks market share on average net
demand deposits has increased to 20.4% as of June 2007 from 19.7% as of June 2006.
The 15.9% annual growth of interest bearing liabilities resulted from a significant increase in time deposits and, to a lesser extent, to an increase in other bonds. During the last two quarters of 2006 the Bank issued other local bonds for an
amount of UF10 million, while during the first half of 2007 the Bank issued other bonds for a total amount of UF4 million in the local market. These increases more than offset the decline in mortgage finance bonds, in line with the contraction of
mortgage loans.
During 2Q07 total liabilities increased by 6.2% mainly explained by a 6.9% growth in interest bearing liabilities boosted principally by time deposits and foreign borrowings, which rose as a consequence of a 15.0% expansion in foreign trade loans
during the current quarter. Non-interest bearing liabilities also increased by 4.6% in 2Q07 mainly due to a 11.3% growth in contingent liabilities. This increase more than offset the 9.0% decrease in the current accounts balance. It is worth
mentioning that average current accounts balance increased by 3.4% between 2Q07 and 1Q07.
|
![](bch.gif) |
2007 Second Quarter Results |
|
|
|
|
|
|
|
|
|
|
|
|
|
Funding |
|
(in millions of Chilean pesos) |
|
Jun-06 |
|
Mar-07 |
|
Jun-07 |
|
% Change |
|
% Change |
|
|
|
|
12 - months |
|
2Q07 / 1Q07 |
|
|
|
|
|
|
|
|
|
|
|
Non-interest Bearing Liabilities |
|
|
|
|
|
|
|
|
|
|
Current Accounts |
|
1,620,247 |
|
1,891,371 |
|
1,721,899 |
|
6.3% |
|
(9.0)% |
Bankers drafts and other deposits |
|
509,342 |
|
533,414 |
|
580,902 |
|
14.0% |
|
8.9% |
Derivatives intruments |
|
66,187 |
|
56,002 |
|
71,258 |
|
7.7% |
|
27.2% |
Other Liabilities |
|
1,174,072 |
|
1,316,750 |
|
1,597,840 |
|
36.1% |
|
21.3% |
Total |
|
3,369,848 |
|
3,797,537 |
|
3,971,899 |
|
17.9% |
|
4.6% |
Interest Bearing Liabilities |
|
|
|
|
|
|
|
|
|
|
Savings & Time Deposits |
|
5,490,899 |
|
5,984,768 |
|
6,257,740 |
|
14.0% |
|
4.6% |
Central Bank Borrowings |
|
1,290 |
|
15,911 |
|
71,318 |
|
5,428.5% |
|
348.2% |
Repurchase agreements |
|
272,407 |
|
288,419 |
|
321,546 |
|
18.0% |
|
11.5% |
Mortgage Finance Bonds |
|
529,557 |
|
455,021 |
|
441,516 |
|
(16.6)% |
|
(3.0)% |
Subordinated Bonds |
|
420,926 |
|
411,989 |
|
438,293 |
|
4.1% |
|
6.4% |
Other Bonds |
|
335,485 |
|
590,714 |
|
630,722 |
|
88.0% |
|
6.8% |
Borrowings from Domestic Financ. Inst. |
|
125,950 |
|
115,707 |
|
130,719 |
|
3.8% |
|
13.0% |
Foreign Borrowings |
|
486,199 |
|
439,383 |
|
560,908 |
|
15.4% |
|
27.7% |
Other Obligations |
|
46,251 |
|
51,863 |
|
79,254 |
|
71.4% |
|
52.8% |
Total |
|
7,708,964 |
|
8,353,775 |
|
8,932,016 |
|
15.9% |
|
6.9% |
|
Total Liabilities |
|
11,078,812 |
|
12,151,312 |
|
12,903,915 |
|
16.5% |
|
6.2% |
|
As of June 30, 2007, the Banks financial investments totaled Ch$1,428,815 million, representing a 10.8% annual increase. This expansion was mainly related to a higher exposure in short term Central Bank securities classified as trading
securities. During 2Q07 the investment portfolio contracted by a slight 2.0% mostly in investments in foreign countries and in local corporate bonds.
On June 30, 2007, the investment portfolio was allocated as follows:
![](fp12a.gif)
As of June 30, 2007, the Banks Shareholders Equity totaled Ch$785,572 million (US$1,489 million), a 4.0% growth as compared to 2Q06, mainly as a consequence of a 5.2% increase in capital and reserves, related to the
capitalization of Ch$33,833 million of the 2006 net income.
As of June 30, 2007, on a consolidated basis, Basic Capital to Total Assets reached 4.98% while Total Capital to Risk-Adjusted Assets (BIS ratio) posted 10.66%, both ratios above the minimum requirements applicable to Banco de Chile of 3% and 10%,
respectively.
|
![](bch.gif) |
2007 Second Quarter Results |
|
|
BANCO DE CHILE |
CONSOLIDATED STATEMENTS OF INCOME (Under Chilean GAAP) |
(Expressed in millions of constant Chilean pesos (MCh$) as of June 30, 2007 and millions of US dollars (MUS$)) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Quarters |
|
% Change |
|
Year ended |
|
% Change |
|
|
|
|
|
|
|
|
|
|
|
2Q06
MCh$ |
1Q07
MCh$ |
2Q07
MCh$ |
2Q07
MUS$ |
|
2Q07-2Q06 |
2Q07-1Q07 |
|
Jun.06
MCh$ |
Dec.06
MCh$ |
Jun.07
MCh$ |
Jun.07
MUS$ |
|
Jun.07-Jun.06 |
|
|
|
|
|
|
Interest revenue and expense |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest revenue |
|
231,534 |
201,948 |
265,780 |
503.9 |
|
14.8 % |
31.6 % |
|
382,131 |
792,429 |
464,548 |
880.7 |
|
21.6 % |
Interest expense |
|
(114,707) |
(95,709) |
(142,356) |
(269.9) |
|
24.1 % |
48.7 % |
|
(174,900) |
(379,317) |
(236,558) |
(448.5) |
|
35.3 % |
Net interest revenue |
|
116,827 |
106,239 |
123,424 |
234.0 |
|
5.6 % |
16.2 % |
|
207,231 |
413,112 |
227,990 |
432.2 |
|
10.0 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Income from services, net |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Income from fees and other services |
|
48,152 |
52,257 |
54,684 |
103.7 |
|
13.6 % |
4.6 % |
|
94,544 |
196,103 |
106,118 |
201.2 |
|
12.2 % |
Other services expenses |
|
(14,839) |
(13,288) |
(13,657) |
(25.9) |
|
(8.0) % |
2.8 % |
|
(28,177) |
(60,025) |
(26,736) |
(50.7) |
|
(5.1) % |
Income from services, net |
|
33,313 |
38,969 |
41,027 |
77.8 |
|
23.2 % |
5.3 % |
|
66,367 |
136,078 |
79,382 |
150.5 |
|
19.6 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other operating income, net |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Gains from trading activities and derivatives instruments, net |
|
5,992 |
1,332 |
(12,318) |
(23.4) |
|
n/a |
n/a |
|
19,211 |
33,199 |
(11,007) |
(20.9) |
|
n/a |
Foreign exchange transactions, net |
|
(7,489) |
817 |
12,632 |
23.9 |
|
n/a |
1446.1 % |
|
(14,243) |
(11,007) |
13,436 |
25.5 |
|
n/a |
Total other operating income, net |
|
(1,497) |
2,149 |
314 |
0.5 |
|
n/a |
(85.4) % |
|
4,968 |
22,192 |
2,429 |
4.6 |
|
(51.1) % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Operating Revenues |
|
148,643 |
147,357 |
164,765 |
312.3 |
|
10.8 % |
11.8 % |
|
278,566 |
571,382 |
309,801 |
587.3 |
|
11.2 % |
|
Provisions for loan losses |
|
(7,291) |
(12,893) |
(14,403) |
(27.3) |
|
97.5 % |
11.7 % |
|
(14,117) |
(36,916) |
(27,093) |
(51.4) |
|
91.9 % |
|
Other income and expenses |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Non-operating income |
|
7,566 |
3,240 |
3,398 |
6.5 |
|
(55.1) % |
4.9 % |
|
9,944 |
17,035 |
6,588 |
12.6 |
|
(33.7) % |
Non-operating expenses |
|
(2,922) |
(2,317) |
(5,464) |
(10.3) |
|
87.0 % |
135.8 % |
|
(5,776) |
(14,105) |
(7,744) |
(14.7) |
|
34.1 % |
Participation in earnings of equity investments |
|
485 |
56 |
(767) |
(1.5) |
|
n/a |
n/a |
|
739 |
1,051 |
(712) |
(1.3) |
|
n/a |
Total other income and expenses |
|
5,129 |
979 |
(2,833) |
(5.3) |
|
n/a |
n/a |
|
4,907 |
3,981 |
(1,868) |
(3.4) |
|
n/a |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Operating expenses |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Personnel salaries and expenses |
|
(39,508) |
(46,487) |
(46,746) |
(88.6) |
|
18.3 % |
0.6 % |
|
(78,885) |
(160,958) |
(92,501) |
(175.4) |
|
17.3 % |
Administrative and other expenses |
|
(33,015) |
(28,460) |
(28,783) |
(54.6) |
|
(12.8) % |
1.1 % |
|
(61,788) |
(125,145) |
(56,795) |
(107.7) |
|
(8.1) % |
Depreciation and amortization |
|
(4,918) |
(5,415) |
(5,634) |
(10.7) |
|
14.6 % |
4.0 % |
|
(9,409) |
(20,143) |
(10,964) |
(20.8) |
|
16.5 % |
Total operating expenses |
|
(77,441) |
(80,362) |
(81,163) |
(153.9) |
|
4.8 % |
1.0 % |
|
(150,082) |
(306,246) |
(160,260) |
(303.9) |
|
6.8 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loss from price-level restatement |
|
(6,111) |
(1,224) |
(7,661) |
(14.5) |
|
25.4 % |
525.9 % |
|
(4,397) |
(8,688) |
(8,866) |
(16.8) |
|
101.6 % |
|
Minority interest in consolidated subsidiaries |
|
0 |
0 |
0 |
0.0 |
|
n/a |
n/a |
|
0 |
(1) |
0 |
0.0 |
|
n/a |
|
Income before income taxes |
|
62,929 |
53,857 |
58,705 |
111.3 |
|
(6.7) % |
9.0 % |
|
114,877 |
223,512 |
111,714 |
211.8 |
|
(2.8) % |
|
Income taxes |
|
(6,039) |
(5,782) |
(6,362) |
(12.1) |
|
5.3 % |
10.0 % |
|
(11,543) |
(24,554) |
(12,053) |
(22.9) |
|
4.4 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net income |
|
56,890 |
48,075 |
52,343 |
99.2 |
|
(8.0) % |
8.9 % |
|
103,334 |
198,958 |
99,661 |
188.9 |
|
(3.6) % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
These results have been prepared in accordance with Chilean GAAP on an unaudited, consolidated basis. All figures are expressed in constant Chilean pesos as of June 30, 2007, unless otherwise stated. Therefore, all growth rates are in real terms. All figures expressed in US dollars (except earnings per ADR) were converted using the exchange rate of Ch$527.46 for US$1.00 as of June 30, 2007. Earnings per ADR were calculated considering the nominal net income and, the exchange rate and the number of shares existing at the end of each period. |
|
![](bch.gif) |
2007 Second Quarter Results |
|
|
BANCO DE CHILE |
CONSOLIDATED BALANCE SHEETS (Under Chilean GAAP) |
(Expressed in millions of constant Chilean pesos (MCh$) as of June 30, 2007 and millions of US dollars (MUS$)) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ASSETS |
|
Dec 05
MCh$ |
|
Jun 06
MCh$ |
|
Dec 06
MCh$ |
|
Mar 07
MCh$ |
|
Jun 07
MCh$ |
|
Jun-07
MUS$ |
|
% C h a n g e |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Jun 07-Jun 06 |
|
Jun 07-Dec 06 |
|
Jun 07-Mar 07 |
|
|
|
|
|
Cash and due from banks |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Non-interest bearing |
|
664,403 |
|
926,810 |
|
881,958 |
|
721,587 |
|
724,058 |
|
1,372.7 |
|
(21.9% ) |
|
(17.9% ) |
|
0.3% |
Interbank deposits-interest bearing |
|
21,540 |
|
104,743 |
|
360,278 |
|
138,447 |
|
372,397 |
|
706.0 |
|
255.5% |
|
3.4% |
|
169.0% |
Total cash and due from banks |
|
685,943 |
|
1,031,553 |
|
1,242,236 |
|
860,034 |
|
1,096,455 |
|
2,078.7 |
|
6.3% |
|
(11.7%) |
|
27.5% |
|
|
|
|
|
|
Investments purchased under agreements to resell |
|
48,581 |
|
65,837 |
|
54,327 |
|
37,698 |
|
52,343 |
|
99.2 |
|
(20.5%) |
|
(3.7%) |
|
38.8% |
|
|
|
|
|
|
Financial investments |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Trading securities |
|
1,393,437 |
|
1,246,225 |
|
1,220,122 |
|
1,406,224 |
|
1,378,868 |
|
2,614.2 |
|
10.6% |
|
13.0% |
|
(1.9% ) |
Available for sale |
|
25,641 |
|
27,005 |
|
40,827 |
|
35,030 |
|
34,152 |
|
64.7 |
|
26.5% |
|
(16.3% ) |
|
(2.5% ) |
Held to maturity |
|
16,038 |
|
16,874 |
|
16,307 |
|
16,204 |
|
15,795 |
|
29.9 |
|
(6.4% ) |
|
(3.1% ) |
|
(2.5% ) |
Total financial investments |
|
1,435,116 |
|
1,290,104 |
|
1,277,256 |
|
1,457,458 |
|
1,428,815 |
|
2,708.8 |
|
10.8% |
|
11.9% |
|
(2.0%) |
|
|
|
|
|
|
Loans, Net |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial loans |
|
3,652,739 |
|
3,771,211 |
|
4,046,356 |
|
4,118,149 |
|
4,287,373 |
|
8,128.3 |
|
13.7% |
|
6.0% |
|
4.1% |
Consumer loans |
|
899,055 |
|
984,245 |
|
1,092,698 |
|
1,132,666 |
|
1,148,473 |
|
2,177.4 |
|
16.7% |
|
5.1% |
|
1.4% |
Mortgage loans |
|
697,428 |
|
641,306 |
|
592,261 |
|
563,215 |
|
525,595 |
|
996.5 |
|
(18.0% ) |
|
(11.3% ) |
|
(6.7% ) |
Foreign trade loans |
|
573,021 |
|
697,531 |
|
690,165 |
|
724,693 |
|
833,234 |
|
1,579.7 |
|
19.5% |
|
20.7% |
|
15.0% |
Interbank loans |
|
26,022 |
|
0 |
|
43,836 |
|
50,813 |
|
0 |
|
0.0 |
|
n/a |
|
(100.0% ) |
|
(100.0% ) |
Lease contracts |
|
473,179 |
|
492,202 |
|
549,420 |
|
565,105 |
|
594,075 |
|
1,126.3 |
|
20.7% |
|
8.1% |
|
5.1% |
Other outstanding loans |
|
1,388,954 |
|
1,462,520 |
|
1,795,707 |
|
1,777,194 |
|
1,984,531 |
|
3,762.4 |
|
35.7% |
|
10.5% |
|
11.7% |
Past due loans |
|
74,231 |
|
68,049 |
|
62,857 |
|
63,983 |
|
71,038 |
|
134.7 |
|
4.4% |
|
13.0% |
|
11.0% |
Contingent loans |
|
752,806 |
|
921,242 |
|
1,006,073 |
|
946,961 |
|
1,053,579 |
|
1,997.5 |
|
14.4% |
|
4.7% |
|
11.3% |
Total loans |
|
8,537,435 |
|
9,038,306 |
|
9,879,373 |
|
9,942,779 |
|
10,497,898 |
|
19,902.8 |
|
16.1% |
|
6.3% |
|
5.6% |
Allowance |
|
(147,013) |
|
(146,557) |
|
(147,734) |
|
(153,054) |
|
(155,366) |
|
(294.6) |
|
6.0% |
|
5.2% |
|
1.5% |
Total loans, net |
|
8,390,422 |
|
8,891,749 |
|
9,731,639 |
|
9,789,725 |
|
10,342,532 |
|
19,608.2 |
|
16.3% |
|
6.3% |
|
5.6% |
|
|
|
|
|
|
Derivative instruments |
|
0 |
|
60,853 |
|
51,461 |
|
44,528 |
|
41,366 |
|
78.4 |
|
(32.0%) |
|
(19.6%) |
|
(7.1%) |
|
|
|
|
|
|
Other assets |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Assets received in lieu of payment, net |
|
10,872 |
|
9,366 |
|
11,004 |
|
10,514 |
|
8,231 |
|
15.6 |
|
(12.1% ) |
|
(25.2% ) |
|
(21.7% ) |
Bank premises and equipment |
|
148,205 |
|
150,094 |
|
154,559 |
|
153,823 |
|
156,350 |
|
296.4 |
|
4.2% |
|
1.2% |
|
1.6% |
Investments in other companies |
|
7,449 |
|
7,641 |
|
7,839 |
|
7,903 |
|
6,396 |
|
12.1 |
|
(16.3% ) |
|
(18.4% ) |
|
(19.1% ) |
Other |
|
393,802 |
|
327,135 |
|
472,410 |
|
523,528 |
|
556,999 |
|
1,056.1 |
|
70.3% |
|
17.9% |
|
6.4% |
Total other assets |
|
560,328 |
|
494,236 |
|
645,812 |
|
695,768 |
|
727,976 |
|
1,380.2 |
|
47.3% |
|
12.7% |
|
4.6% |
|
|
|
|
|
|
Total assets |
|
11,120,390 |
|
11,834,332 |
|
13,002,731 |
|
12,885,211 |
|
13,689,487 |
|
25,953.5 |
|
15.7% |
|
5.3% |
|
6.2% |
|
|
|
|
|
|
![](bch.gif) |
2007 Second Quarter Results |
|
|
BANCO DE CHILE |
CONSOLIDATED BALANCE SHEETS (Under Chilean GAAP) |
(Expressed in millions of constant Chilean pesos (MCh$) as of June 30, 2007 and millions of US dollars (MUS$)) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LIABILITIES & SHAREHOLDERS' EQUITY |
|
Dec 05
MCh$ |
|
Jun 06
MCh$ |
|
Dec 06
MCh$ |
|
Mar 07
MCh$ |
|
Jun 07
MCh$ |
|
Jun-07
MUS$ |
|
% C h a n g e |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Jun 07-Jun 06 |
|
Jun 07-Dec 06 |
|
Jun 07-Mar 07 |
|
|
|
|
|
|
Deposits |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Current accounts |
|
1,577,473 |
|
1,620,247 |
|
1,772,012 |
|
1,891,371 |
|
1,721,899 |
|
3,264.5 |
|
6.3% |
|
(2.8% ) |
|
(9.0% ) |
Bankers drafts and other deposits |
|
504,090 |
|
509,342 |
|
512,801 |
|
533,414 |
|
580,902 |
|
1,101.3 |
|
14.0% |
|
13.3% |
|
8.9% |
Saving accounts and time deposits |
|
4,799,624 |
|
5,490,899 |
|
5,898,804 |
|
5,984,768 |
|
6,257,740 |
|
11,863.9 |
|
14.0% |
|
6.1% |
|
4.6% |
Total deposits |
|
6,881,187 |
|
7,620,488 |
|
8,183,617 |
|
8,409,553 |
|
8,560,541 |
|
16,229.7 |
|
12.3% |
|
4.6% |
|
1.8% |
|
|
|
|
|
|
Borrowings |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Central Bank borrowings |
|
1,464 |
|
1,290 |
|
840 |
|
15,911 |
|
71,318 |
|
135.2 |
|
5428.5% |
|
8390.2% |
|
348.2% |
Securities sold under agreements to repurchase |
|
281,688 |
|
272,407 |
|
312,685 |
|
288,419 |
|
321,546 |
|
609.6 |
|
18.0% |
|
2.8% |
|
11.5% |
Mortgage finance bonds |
|
578,986 |
|
529,557 |
|
486,712 |
|
455,021 |
|
441,516 |
|
837.1 |
|
(16.6% ) |
|
(9.3% ) |
|
(3.0% ) |
Other bonds |
|
337,822 |
|
335,485 |
|
564,803 |
|
590,714 |
|
630,722 |
|
1,195.8 |
|
88.0% |
|
11.7% |
|
6.8% |
Subordinated bonds |
|
317,617 |
|
420,926 |
|
413,655 |
|
411,989 |
|
438,293 |
|
831.0 |
|
4.1% |
|
6.0% |
|
6.4% |
Borrowings from domestic financial institutions |
|
93,802 |
|
125,950 |
|
89,938 |
|
115,707 |
|
130,719 |
|
247.8 |
|
3.8% |
|
45.3% |
|
13.0% |
Foreign borrowings |
|
688,217 |
|
486,199 |
|
602,813 |
|
439,383 |
|
560,908 |
|
1,063.4 |
|
15.4% |
|
(7.0% ) |
|
27.7% |
Other obligations |
|
35,106 |
|
46,251 |
|
26,934 |
|
51,863 |
|
79,254 |
|
150.3 |
|
71.4% |
|
194.3% |
|
52.8% |
Total borrowings |
|
2,334,702 |
|
2,218,065 |
|
2,498,380 |
|
2,369,007 |
|
2,674,276 |
|
5,070.2 |
|
20.6% |
|
7.0% |
|
12.9% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
. |
|
|
|
|
|
|
|
|
Derivative instruments |
|
62,441 |
|
66,187 |
|
71,284 |
|
56,002 |
|
71,258 |
|
135.1 |
|
7.7% |
|
(0.0%) |
|
27.2% |
|
|
|
|
|
|
Other liabilities |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Contingent liabilities |
|
753,152 |
|
922,963 |
|
1,007,138 |
|
948,744 |
|
1,054,980 |
|
2,000.1 |
|
14.3% |
|
4.8% |
|
11.2% |
Other |
|
282,487 |
|
251,108 |
|
391,821 |
|
368,006 |
|
542,860 |
|
1,029.1 |
|
116.2% |
|
38.5% |
|
47.5% |
Total other liabilities |
|
1,035,639 |
|
1,174,071 |
|
1,398,959 |
|
1,316,750 |
|
1,597,840 |
|
3,029.2 |
|
36.1% |
|
14.2% |
|
21.3% |
|
|
|
|
|
|
Minority interest in consolidated subsidiaries |
|
1 |
|
1 |
|
2 |
|
0 |
|
0 |
|
0.0 |
|
(100.0%) |
|
(100.0%) |
|
n/a |
|
|
|
|
|
|
Shareholders' equity |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Capital and Reserves |
|
618,395 |
|
652,186 |
|
651,531 |
|
685,824 |
|
685,911 |
|
1,300.4 |
|
5.2% |
|
5.3% |
|
0.0% |
Net income for the year |
|
188,025 |
|
103,334 |
|
198,958 |
|
48,075 |
|
99,661 |
|
188.9 |
|
(3.6% ) |
|
(49.9% ) |
|
107.3% |
Total shareholders' equity |
|
806,420 |
|
755,520 |
|
850,489 |
|
733,899 |
|
785,572 |
|
1,489.3 |
|
4.0% |
|
(7.6%) |
|
7.0% |
|
|
|
|
|
|
Total liabilities & shareholders' equity |
|
11,120,390 |
|
11,834,332 |
|
13,002,731 |
|
12,885,211 |
|
13,689,487 |
|
25,953.5 |
|
15.7% |
|
5.3% |
|
6.2% |
|
|
|
|
|
|
![](bch.gif) |
2007 Second Quarter Results |
|
|
|
|
|
|
|
|
|
|
|
|
BANCO DE CHILE |
SELECTED CONSOLIDATED FINANCIAL INFORMATION |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Quarters |
|
Year ended |
|
|
|
|
|
|
|
2Q06 |
|
1Q07 |
|
2Q07 |
|
June.06 |
|
Dec.06 |
|
June.07 |
|
|
|
|
|
Earnings per Share |
|
|
|
|
|
|
|
|
|
|
|
|
Net income per Share (Ch$) (1) |
|
0.82 |
|
0.70 |
|
0.75 |
|
1.50 |
|
2.88 |
|
1.43 |
Net income per ADS (Ch$) (1) |
|
494.42 |
|
417.82 |
|
449.13 |
|
898.07 |
|
1,729.12 |
|
855.13 |
Net income per ADS (US$) (2) |
|
0.90 |
|
0.77 |
|
0.85 |
|
1.64 |
|
3.24 |
|
1.62 |
Book value per Share (Ch$) (1) |
|
10.95 |
|
10.63 |
|
11.23 |
|
10.95 |
|
12.32 |
|
11.23 |
Shares outstanding (Millions) |
|
69,038 |
|
69,038 |
|
69,927 |
|
69,038 |
|
69,038 |
|
69,927 |
|
|
|
|
|
Profitability Ratios (3)(4) |
|
|
|
|
|
|
|
|
|
|
|
|
Net Interest Margin |
|
4.51% |
|
3.72% |
|
4.09% |
|
4.09% |
|
3.95% |
|
3.91% |
Net Financial Margin |
|
4.61% |
|
3.75% |
|
4.11% |
|
4.17% |
|
4.09% |
|
3.94% |
Fees / Avg. Interest Earnings Assets |
|
1.29% |
|
1.36% |
|
1.36% |
|
1.31% |
|
1.30% |
|
1.36% |
Other Operating Revenues / Avg. Interest Earnings Assets |
|
(0.06% ) |
|
0.08% |
|
0.01% |
|
0.10% |
|
0.21% |
|
0.04% |
Operating Revenues / Avg. Interest Earnings Assets |
|
5.74% |
|
5.16% |
|
5.47% |
|
5.49% |
|
5.46% |
|
5.32% |
Return on Average Total Assets |
|
1.93% |
|
1.49% |
|
1.56% |
|
1.80% |
|
1.68% |
|
1.52% |
Return on Average Shareholders' Equity |
|
31.16% |
|
22.17% |
|
27.31% |
|
26.79% |
|
25.00% |
|
24.60% |
|
|
|
|
|
Capital Ratios |
|
|
|
|
|
|
|
|
|
|
|
|
Shareholders Equity / Total Assets |
|
6.38% |
|
5.70% |
|
5.74% |
|
6.38% |
|
6.54% |
|
5.74% |
Basic Capital / Total Assets |
|
5.46% |
|
5.29% |
|
4.98% |
|
5.46% |
|
4.97% |
|
4.98% |
Basic Capital / Risk-Adjusted Assets |
|
7.41% |
|
7.06% |
|
6.75% |
|
7.41% |
|
6.75% |
|
6.75% |
Total Capital / Risk-Adjusted Assets |
|
11.71% |
|
11.14% |
|
10.66% |
|
11.71% |
|
10.67% |
|
10.66% |
|
|
|
|
|
Credit Quality Ratios |
|
|
|
|
|
|
|
|
|
|
|
|
Past Due Loans / Total Loans |
|
0.75% |
|
0.64% |
|
0.68% |
|
0.75% |
|
0.64% |
|
0.68% |
Allowance for Loan Losses / Past due Loans |
|
215.37% |
|
239.21% |
|
218.71% |
|
215.37% |
|
235.03% |
|
218.71% |
Allowance for Loans Losses / Total Loans |
|
1.62% |
|
1.54% |
|
1.48% |
|
1.62% |
|
1.50% |
|
1.48% |
Provision for Loan Losses / Avg.Loans (4) |
|
0.33% |
|
0.52% |
|
0.56% |
|
0.32% |
|
0.41% |
|
0.54% |
|
|
|
|
|
Operating and Productivity Ratios |
|
|
|
|
|
|
|
|
|
|
|
|
Operating Expenses / Operating Revenue |
|
52.10% |
|
54.54% |
|
49.26% |
|
53.88% |
|
53.60% |
|
51.73% |
Operating Expenses / Average Total Assets (3) |
|
2.63% |
|
2.48% |
|
2.41% |
|
2.62% |
|
2.59% |
|
2.45% |
Average Balance Sheet Data (1)(3) |
|
|
|
|
|
|
|
|
|
|
|
|
Avg. Interest Earnings Assets (million Ch$) |
|
10,363,528 |
|
11,419,755 |
|
12,056,276 |
|
10,145,422 |
|
10,463,395 |
|
11,648,096 |
Avg. Assets (million Ch$) |
|
11,765,612 |
|
12,936,371 |
|
13,445,426 |
|
11,462,796 |
|
11,828,027 |
|
13,089,037 |
Avg. Shareholders Equity (million Ch$) |
|
730,293 |
|
867,579 |
|
766,560 |
|
771,571 |
|
795,894 |
|
810,238 |
Avg. Loans (million Ch$) |
|
8,905,919 |
|
9,975,647 |
|
10,328,760 |
|
8,751,203 |
|
9,052,773 |
|
10,073,655 |
Avg. Interest Bearing Liabilities (million Ch$) |
|
7,664,328 |
|
8,397,592 |
|
8,912,447 |
|
7,415,794 |
|
7,697,538 |
|
8,588,897 |
|
|
|
|
|
Other Data |
|
|
|
|
|
|
|
|
|
|
|
|
Exchange rate (Ch$) |
|
547.31 |
|
539.37 |
|
527.46 |
|
547.31 |
|
534.43 |
|
527.46 |
|
|
|
|
|
Notes
(1) These figures w ere ex pressed in constant Chilean pesos as of June 30, 2007.
(2) These figures w ere calculated considering the nominal net income, the shares outstanding and the ex change rates ex isting at the end of each period.
(3) The ratios w ere calculated as an av erage of daily balances.
(4) Annualized data.
|
![](bch.gif) |
2007 Second Quarter Results |
|
|
|
|
CONTACTS: |
|
Jacqueline Barrio |
|
|
(56-2) 653 2938 |
|
|
jbarrio@bancochile.cl |
|
|
|
|
Rolando Arias |
|
|
(56-2) 653 3535 |
|
|
rarias@bancochile.cl |
FORWARD-LOOKING INFORMATION
The information contained herein incorporates by reference statements which constitute forward-looking statements, in that they include statements regarding the intent, belief or current expectations of our directors and
officers with respect to our future operating performance. Such statements include any forecasts, projections and descriptions of anticipated cost savings or other synergies. You should be aware that any such forward-looking statements are not
guarantees of future performance and may involve risks and uncertainties, and that actual results may differ from those set forth in the forward-looking statements as a result of various factors (including, without limitations, the actions of
competitors, future global economic conditions, market conditions, foreign exchange rates, and operating and financial risks related to managing growth and integrating acquired businesses), many of which are beyond our control. The occurrence of any
such factors not currently expected by us would significantly alter the results set forth in these statements.
Factors that could cause actual results to differ materially and adversely include, but are not limited to:
-
changes in general economic, business or political or other conditions in Chile or changes in general economic or business conditions in Latin America;
-
changes in capital markets in general that may affect policies or attitudes toward lending to Chile or Chilean companies;
-
unexpected developments in certain existing litigation;
-
increased costs;
-
unanticipated increases in financing and other costs or the inability to obtain additional debt or equity financing on attractive terms; and
Undue reliance should not be placed on such statements, which speak only as of the date that they were made. Our independent public accountants have not examined or compiled the forward-looking statements and, accordingly, do not provide any
assurance with respect to such statements. These cautionary statements should be considered in connection with any written or oral forward-looking statements that we may issue in the future. We do not undertake any obligation to release publicly any
revisions to such forward-looking statements after completion of this offering to reflect later events or circumstances or to reflect the occurrence of unanticipated events.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.
Date: August 02, 2007
|
Banco de Chile |
|
|
|
/S/ Fernando Cañas B. |
By: |
Fernando Cañas Berkowitz
President and CEO
|
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