Banco de Crédito e Inversiones (SNSE:BCI)

SNSE:BCI Income Statement

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

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

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