Banco de Crédito e Inversiones (SNSE:BCI)

SNSE:BCI Income Statement

Financials in millions CLP. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	3,938,829	4,035,740	4,102,634	2,903,692	1,709,828	2,088,604
Interest Paid on Deposits	2,077,428	2,272,931	2,539,336	1,343,274	349,599	630,063
Net Interest Income	1,861,401	1,762,809	1,563,298	1,560,418	1,360,229	1,458,541
Net Interest Income Growth (YoY)	10.80%	12.76%	0.18%	14.72%	-6.74%	10.37%
Income From Trading Activities	248,659	294,191	234,036	-316	135,809	-
Gain (Loss) on Sale of Assets	9,536	12,658	10,232	9,702	11,637	2,045
Gain (Loss) on Sale of Investments	-119,787	-87,172	-12,105	8,399	-	55,051
Gain (Loss) on Sale of Equity Investments	25,756	24,170	16,018	7,404	2,290	-
Other Non-Interest Income	859,239	730,227	708,850	1,113,457	647,092	514,535
Total Non-Interest Income	1,023,403	974,074	957,031	1,138,646	796,828	571,631
Non-Interest Income Growth (YoY)	3.37%	1.78%	-15.95%	42.90%	39.40%	0.35%
Revenues Before Loan Losses	2,884,804	2,736,883	2,520,329	2,699,064	2,157,057	2,030,172
Provision for Loan Losses	291,632	321,385	399,255	494,870	401,124	653,911
Revenue	2,593,172	2,415,498	2,121,074	2,204,194	1,755,933	1,376,261
Revenue Growth (YoY)	12.26%	13.88%	-3.77%	25.53%	27.59%	-6.73%
Salaries and Employee Benefits	725,764	684,562	665,866	638,989	540,053	522,080
Occupancy Expenses	108,105	110,157	113,016	113,643	106,931	109,010
Selling, General & Administrative	569,270	524,889	479,483	408,465	321,693	325,192
Other Non-Interest Expense	95,327	68,882	48,862	51,091	65,474	74,474
Total Non-Interest Expense	1,498,466	1,388,490	1,307,227	1,212,188	1,034,151	1,031,114
EBT Excluding Unusual Items	1,094,706	1,027,008	813,847	992,006	721,782	345,147
Asset Writedown	-231	-151	-1,516	-567	-23	-5,073
Legal Settlements	66,679	54,094	6,675	-59,117	271	-
Pretax Income	1,158,253	1,078,050	817,975	911,903	722,030	342,198
Income Tax Expense	244,640	276,332	135,404	90,879	201,484	24,665
Earnings From Continuing Operations	913,613	801,718	682,571	821,024	520,546	317,533
Minority Interest in Earnings	-108	-76	-103	-202	-155	-79
Net Income	913,505	801,642	682,468	820,822	520,391	317,454
Net Income to Common	913,505	801,642	682,468	820,822	520,391	317,454
Net Income Growth	25.05%	17.46%	-16.86%	57.73%	63.93%	-21.16%
Basic Shares Outstanding	219	219	188	177	182	191
Diluted Shares Outstanding	219	219	188	177	182	191
Shares Change (YoY)	8.44%	16.56%	5.88%	-2.81%	-4.58%	0.24%
EPS (Basic)	4178.81	3667.09	3638.96	4633.83	2855.32	1662.06
EPS (Diluted)	4178.70	3667.00	3638.96	4633.83	2855.31	1661.90
EPS Growth	15.31%	0.77%	-21.47%	62.29%	71.81%	-21.35%
Dividend Per Share	1110.000	1110.000	1000.000	1329.163	826.320	546.545
Dividend Growth	11.00%	11.00%	-24.77%	60.85%	51.19%	-26.46%
Effective Tax Rate	21.12%	25.63%	16.55%	9.97%	27.91%	7.21%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.