Banco de Crédito e Inversiones (SNSE: BCI)

BCI Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	3,502,850	3,086,632	3,303,005	3,590,201	3,126,248	2,547,158
Investment Securities	11,914,433	13,692,118	14,424,283	13,419,033	8,244,141	4,247,401
Trading Asset Securities	8,594,006	9,099,280	9,470,157	7,655,393	6,652,628	6,517,481
Total Investments	20,508,439	22,791,398	23,894,440	21,074,426	14,896,769	10,764,882
Gross Loans	51,574,579	49,896,494	46,766,225	42,063,425	36,033,349	34,538,626
Allowance for Loan Losses	-856,201	-847,542	-878,126	-751,511	-790,395	-668,826
Other Adjustments to Gross Loans	-239,024	-231,084	-214,164	-183,181	-167,604	-199,703
Net Loans	50,479,354	48,817,868	45,673,935	41,128,733	35,075,350	33,670,097
Property, Plant & Equipment	385,242	397,500	401,991	441,760	456,024	481,538
Goodwill	162,712	158,641	155,234	176,582	151,514	144,508
Other Intangible Assets	298,054	287,905	255,775	264,376	243,762	259,707
Other Receivables	778,184	759,288	763,114	187,584	385,553	270,750
Restricted Cash	638,145	1,043,435	1,922,258	1,055,070	1,708,329	917,204
Other Current Assets	793,955	600,130	249,955	293,960	617,140	641,544
Long-Term Deferred Tax Assets	481,037	492,461	482,714	253,552	211,224	103,329
Other Real Estate Owned & Foreclosed	-	-	-	-	2,216	5,171
Other Long-Term Assets	784,217	865,895	946,698	681,034	282,170	530,732
Total Assets	78,812,189	79,301,153	78,049,119	69,147,278	57,156,299	50,336,620
Accounts Payable	1,491,369	1,367,201	534,906	777,722	357,729	300,185
Accrued Expenses	20,919	19,185	15,031	124,520	97,406	98,100
Interest Bearing Deposits	20,130,706	18,460,507	18,265,664	11,340,934	12,161,923	14,060,984
Non-Interest Bearing Deposits	22,511,258	22,015,811	22,602,336	25,545,532	17,264,331	12,879,341
Total Deposits	42,641,964	40,476,318	40,868,000	36,886,466	29,426,254	26,940,325
Short-Term Borrowings	7,443,544	8,171,128	9,213,471	6,596,867	6,167,150	5,083,213
Current Portion of Long-Term Debt	2,100,112	2,211,243	1,447,056	2,517,327	3,568,106	4,869,987
Current Portion of Leases	43,477	25,616	27,093	21,480	64,977	21,176
Current Income Taxes Payable	8,242	33,659	17,493	141,535	9,072	1,240
Other Current Liabilities	3,518,096	3,058,498	2,791,902	2,046,928	1,436,605	934,900
Long-Term Debt	14,175,465	17,024,283	17,426,557	14,380,036	11,021,779	7,318,145
Long-Term Leases	61,026	103,733	109,355	152,246	121,316	185,200
Long-Term Unearned Revenue	41,458	48,922	41,229	37,332	18,764	21,249
Long-Term Deferred Tax Liabilities	-	2,106	1,612	926	22,188	23,829
Other Long-Term Liabilities	647,399	691,885	778,613	969,678	950,248	746,551
Total Liabilities	72,193,071	73,233,777	73,272,318	64,653,063	53,261,594	46,544,100
Common Stock	5,383,715	5,383,715	4,225,332	3,862,386	3,655,828	3,394,799
Retained Earnings	552,943	477,728	574,575	364,274	215,460	281,851
Comprehensive Income & Other	680,614	204,352	-24,429	266,155	22,332	114,828
Total Common Equity	6,617,272	6,065,795	4,775,478	4,492,815	3,893,620	3,791,478
Minority Interest	1,846	1,581	1,323	1,400	1,085	1,042
Shareholders' Equity	6,619,118	6,067,376	4,776,801	4,494,215	3,894,705	3,792,520
Total Liabilities & Equity	78,812,189	79,301,153	78,049,119	69,147,278	57,156,299	50,336,620
Total Debt	23,823,624	27,536,003	28,223,532	23,667,956	20,943,328	17,477,721
Net Cash (Debt)	-11,449,474	-15,142,977	-15,268,309	-12,235,609	-10,974,204	-8,217,067
Net Cash Per Share	-51379.54	-80743.29	-86195.00	-67135.14	-57456.39	-43125.58
Filing Date Shares Outstanding	218.6	218.6	190.54	190.54	190.54	190.54
Total Common Shares Outstanding	218.6	218.6	190.54	190.54	190.54	190.54
Book Value Per Share	30270.55	27747.84	25063.12	23579.62	20434.87	19898.80
Tangible Book Value	6,156,506	5,619,249	4,364,469	4,051,857	3,498,344	3,387,263
Tangible Book Value Per Share	28162.79	25705.12	22906.03	21265.35	18360.35	17777.36

Source: S&P Capital IQ. Banks template. Financial Sources.