10 Year Financial Data of Banco De Chile (BCH)

89.21 (1y: +9%)

Market Cap	13.67 B	P/E(ttm)	13.40
Enterprise Value	20.91 B	P/B	2.70

BCH- NYSE (USA)
Banco De Chile

Currently 4.5/5

Business Predictability Rank: 4.5-Star (On Watch)
Back Testing Results:
Average gain of all 4.5-Star stocks: 10.6% per year.
% of Stocks that are in still loss if held for 10yrs: 10%.
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$89.21

3 Severe Warning Signs 2 Medium Warning Signs 4 Good Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	10.9	8.1	-14.4
EBITDA Growth (%)	13.3	15.2	-54.2
Free Cash Flow Growth (%)	0	0	0
Book Value Growth (%)	13.7	14.6	15.6

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Dec11	Mar12	Jun12	Sep12	Dec12

Revenue per Share ($)	7.86	8.94	9.43	10.35	12.07	14.50	14.76	16.72	17.50	19.65	15.27	4.46	4.91	8.89	8.37	-6.90
EBITDA per Share	2.59	3.05	3.58	3.88	4.71	4.90	4.86	7.16	7.43	8.05	3.47	2.24	1.99	6.00	5.58	-10.10
Free Cashflow per Share	-1.84	9.37	7.04	7.43	6.24	3.40	9.91	-1.97	-6.65	-6.18	-6.15	-6.65	0.63	--	--	-6.78
Earnings per Share ($)	2.02	2.50	2.96	3.19	3.89	3.73	3.76	5.99	6.08	6.66	6.64	1.51	1.68	1.49	1.39	2.09
Dividends Per Share	0.81	1.64	2.58	2.04	2.21	3.84	2.11	2.61	2.78	2.82	2.82	--	2.82	--	--	--
Book Value per Share	11.19	10.99	12.67	13.56	16.94	18.40	23.06	24.30	28.31	32.84	32.72	28.31	24.51	25.07	23.70	32.72
Month End Stock Price	24.96	34.17	35.65	47.00	43.74	30.54	51.92	85.13	80.23	96.50	96.50	80.23	93.16	84.50	83.40	96.50
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Dec11	Mar12	Jun12	Sep12	Dec12

Return on Equity %	18.80	22.70	23.30	23.40	23.00	21.00	16.30	24.60	21.50	20.30	25.60	21.20	27.60	24.00	23.60	25.60
Return on Assets %	1.40	1.60	1.70	1.50	1.70	1.50	1.50	2.30	2.00	2.10	2.40	2.00	2.40	2.00	2.00	2.40
Return on Capital - Joel Greenblatt %	54.00	26.80	86.90	146	160	18.20	19.20	31.30	26.40	267	-1,486	26.80	28.40	105	77.60	-1,486
Debt to Equity	3.08	2.99	2.50	2.57	1.61	2.62	1.85	1.80	2.00	--	--	2.00	2.38	2.49	2.46	--

Operating Margin %	29.40	31.20	35.00	34.40	35.90	30.30	29.40	39.80	39.70	38.50	152	39.40	38.30	67.50	66.60	152
Net Margin %	26.80	27.80	31.30	30.60	32.30	26.60	25.50	35.80	34.70	33.90	-30.30	33.90	34.20	16.80	16.60	-30.30

Debt to Revenue	4.39	3.67	3.36	3.37	2.26	3.32	2.89	2.61	3.24	--	--	12.69	11.87	7.02	6.98	--
Interest Exp. to Revenue %	45.86	59.86	64.11	63.61	71.89	76.13	65.23	65.82	69.88	68.42	-56.29	76.33	69.08	36.23	34.97	-56.29

Asset Turnover	0.05	0.06	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	-0.02	0.02	0.02	0.03	0.03	-0.02
Dividend Payout Ratio	185	315	418	307	272	476	267	208	219	203	--	--	804	--	--	--
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Dec11	Mar12	Jun12	Sep12	Dec12

Net Interest Income	470	684	774	844	1,130	1,627	1,397	1,604	1,834	2,015	2,015	505	511	482	438	584
Non Interest Income	552	459	433	483	442	510	745	833	802	930	271	167	229	849	815	-1,622
Revenue	1,021	1,143	1,207	1,327	1,572	2,137	2,141	2,437	2,636	2,945	2,286	672	739	1,331	1,253	-1,038

Selling, General, &Admin. Expense	262	284	315	329	403	1,011	886	983	1,148	1,169	1,203	294	311	283	291	317
Credit Losses Provision	125	153	46.10	75.44	110	290	504	329	307	348	348	80.54	98.13	105	84.33	60.27
Other Expenses	297	315	387	425	445	114	44.98	81.21	60.55	221	221	-41.23	31.14	43.88	42.14	104
Earnings Before DDA	337	390	458	498	614	723	706	1,043	1,120	1,206	513	338	299	899	835	-1,520

Depreciation, Depletion and Amortization	36.03	33.67	35.42	41.16	48.77	74.35	76.17	73.07	73.42	73.45	73.45	73.42	16.13	--	--	57.32

Operating Income	301	356	423	457	565	648	630	970	1,046	1,133	440	265	283	899	835	-1,577
Net Income	273	318	378	407	509	569	547	873	916	999	999	228	253	224	209	314

Earnings per Share ($)	2.02	2.50	2.96	3.19	3.89	3.73	3.76	5.99	6.08	6.66	6.64	1.51	1.68	1.49	1.39	2.09
Total Shares Outstanding	130	128	128	128	130	147	145	146	151	150	150	151	151	150	150	150
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Dec11	Mar12	Jun12	Sep12	Dec12

Cash and cash equivalents	1,791	1,854	1,380	2,539	1,623	2,551	2,620	2,512	2,622	2,080	2,080	2,622	3,224	2,619	2,774	2,080
Money Market Investments	2,111	1,902	609	111	145	158	166	173	100	73.36	73.36	100	83.70	--	--	73.36
Net Loan	6,076,100	6,708,889	8,075,959	9,515,364	11,704,208	13,743,796	12,879,155	14,379,556	17,672,181	19,727,280	41,230	36,935	36,902	37,558	34,201	41,230
Securities & Investments	1,894	1,444	2,426	2,610	2,634	3,660	3,422	3,040	3,712	2,993	2,993	3,712	3,564	3,938	3,445	2,993
Accounts Receivable	--	--	--	--	346	59.75	--	--	40.39	--	--	40.39	87.23	88.99	153	--
Property, Plant and Equipment	267	276	298	316	355	429	430	430	434	429	429	434	437	434	433	429
Intangible Assets	--	--	--	--	54.30	72.65	184	182	169	158	158	169	73.60	71.58	73.29	158
Other Assets	-6,062,831	-6,694,278	-8,058,292	-9,494,368	-11,678,675	-13,712,839	-12,849,399	-14,347,695	-17,633,770	-19,684,529	1,522	1,476	1,515	2,274	3,718	1,522
Total Assets	19,332	20,088	22,379	26,572	30,692	37,888	36,578	38,198	45,490	48,484	48,484	45,490	45,887	46,984	44,797	48,484

Total Deposits	11,106	12,045	13,843	16,724	19,025	23,993	23,294	25,381	29,631	31,525	31,525	29,631	29,879	30,171	28,294	31,525
Accounts Payable	--	--	--	--	--	189	--	--	191	48.46	48.46	191	162	--	--	48.46
Current Portion of Long-Term Debt	293	1,059	192	1.72	1.08	3,132	2,860	2,678	3,534	--	--	3,534	3,551	3,000	3,868	--
Long-Term Debt	4,187	3,133	3,868	4,465	3,549	3,972	3,319	3,687	4,992	--	--	4,992	5,224	6,337	4,874	--
Other liabilities	2,291	2,448	2,855	3,644	5,909	3,890	3,759	2,910	2,877	11,987	11,987	2,877	3,380	3,723	4,212	11,987
Total Liabilities	17,878	18,685	20,757	24,834	28,485	35,176	33,232	34,657	41,225	43,561	43,561	41,225	42,195	43,231	41,248	43,561

Common Stock	1,009	1,030	1,071	--	--	--	--	--	--	--	--	--	--	--	--	--
Retained Earnings	273	318	553	407	509	435	906	1,102	783	1,136	1,136	783	138	582	545	1,136
Additional Paid-In Capital	--	--	--	1,160	1,698	--	--	--	--	--	--	--	--	--	--	--
Total Equity	1,454	1,404	1,622	1,738	2,207	2,712	3,346	3,541	4,265	4,923	4,923	4,265	3,692	3,753	3,548	4,923
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Dec11	Mar12	Jun12	Sep12	Dec12

Net Income	273	318	378	407	509	569	547	873	916	--	253	916	253	--	--	--
Depreciation, Depletion and Amortization	36.03	33.67	35.42	41.16	48.77	74.35	76.17	73.07	73.42	73.45	73.45	73.42	16.13	--	--	57.32
Cash Flow from Others	-548	845	488	505	255	-109	847	-1,176	-1,924	-943	-1,196	-1,924	-157	--	--	-1,039
Cash Flow from Operations	-239	1,197	902	953	813	535	1,471	-230	-935	-869	-869	-935	113	--	--	-982

Investment for Property, Plant & Equipement	--	--	--	--	--	-34.09	-32.03	-57.43	-66.19	-56.63	-56.63	-66.19	-18.06	--	--	-38.58
Cash Flow from Acquisitions	--	--	--	--	--	-13.19	0.35	-0.01	--	-0.15	-0.15	--	--	--	--	-0.15
Cash Flow from Investing	-348	-1,338	-2,563	-2,809	-4,239	-3,664	-867	274	-700	402	402	-700	222	--	--	180

Net Issuance of Stock	--	-110	--	--	177	--	--	--	--	249	249	--	--	--	--	249
Net Issuance of Debt	1,023	-369	-251	432	643	1,632	-564	501	769	472	472	769	175	--	--	297
Cash Flow for Dividends	-111	-272	-319	-312	-339	-553	-460	-603	-584	-620	-620	-584	-620	--	--	--
Other Financing	53.43	957	1,760	2,915	1,956	2,421	171	-38.00	1,720	--	0.00	1,720	82.81	--	--	-82.81
Cash Flow from Financing	965	206	1,190	3,035	2,438	3,501	-853	-141	1,906	101	101	1,906	-362	--	--	463

Net Change in Cash	379	63.86	-471	1,179	-989	183	-249	-96.48	271	-367	-367	271	-27.45	--	--	-339

Free Cash Flow	-239	1,197	902	953	813	501	1,439	-287	-1,001	-926	-926	-1,001	94.53	--	--	-1,021
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Dec11	Mar12	Jun12	Sep12	Dec12

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Dec11	Mar12	Jun12	Sep12	Dec12

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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