Banco de Crédito e Inversiones (SNSE:BCI)

SNSE:BCI Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	1,101,556	996,006	801,642	682,468	820,822	520,391
Depreciation & Amortization	118,494	114,869	110,157	64,821	71,219	67,575
Other Amortization	-	-	-	48,195	42,424	39,356
Gain (Loss) on Sale of Assets	-1,575	-2,679	-3,913	-3,591	30	-1,150
Gain (Loss) on Sale of Investments	-4,690	-38,835	-50,293	-34,621	-8,837	-47,275
Total Asset Writedown	1,291	1,654	5,597	4,627	22,169	158
Provision for Credit Losses	436,888	434,298	431,607	469,416	566,490	479,770
Change in Other Net Operating Assets	-1,372,076	-1,382,241	937,521	-4,983,037	-6,599,685	-1,787,827
Other Operating Activities	587,817	1,171,400	-3,826,738	690,309	-431,473	1,734,884
Operating Cash Flow	851,383	1,276,377	-1,618,590	-3,077,431	-5,524,245	1,003,592
Operating Cash Flow Growth	-45.49%	-	-	-	-	-76.33%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-87,031	-55,487	-46,416	-26,080	-19,002	-15,286
Sale of Property, Plant and Equipment	1,805	2,182	1,013	422	1,745	877
Cash Acquisitions	-	-	-	-	-	-2,981
Investment in Securities	-22,138	25,715	-66,148	23,613	-54,671	-2,395
Income (Loss) Equity Investments	-16,322	-18,095	-24,170	-16,018	-7,404	-2,290
Purchase / Sale of Intangibles	-83,051	-104,339	-95,259	-99,421	-71,957	-132,984
Other Investing Activities	-547,931	-209,748	-269,561	896,659	-283,032	196,968
Investing Cash Flow	-738,346	-341,677	-476,371	795,193	-426,917	44,199

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	971,155	1,769,989	553,307	1,196,446	1,282,489
Long-Term Debt Repaid	-	-1,271,207	-1,830,403	-1,103,870	-1,435,519	-732,542
Net Debt Issued (Repaid)	67,830	-300,052	-60,414	-550,563	-239,073	549,947
Issuance of Common Stock	-	-	-	617,457	-	-
Common Dividends Paid	-327,906	-242,651	-218,604	-253,256	-157,445	-104,138
Net Increase (Decrease) in Deposit Accounts	775,719	-1,482,601	2,794,666	70,453	6,899,121	1,793
Other Financing Activities	-217,358	-222,714	-92,663	-74,138	-62,024	-90,253
Financing Cash Flow	298,285	-2,248,018	2,422,985	-190,047	6,440,579	357,349

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Foreign Exchange Rate Adjustments	-498,552	-498,552	-115,548	-256,903	-601,793	871,753
Net Cash Flow	-87,230	-1,811,870	212,476	-2,729,188	-112,376	1,405,140

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	764,352	1,220,890	-1,665,006	-3,103,511	-5,543,247	988,306
Free Cash Flow Growth	-49.88%	-	-	-	-	-76.56%
Free Cash Flow Margin	26.60%	44.45%	-68.93%	-146.32%	-251.49%	56.28%
Free Cash Flow Per Share	3496.71	5584.93	-7616.53	-16548.11	-31293.59	5422.70

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	2,423,226	2,435,900	2,679,478	3,039,953	2,132,900	754,909
Cash Income Tax Paid	85,080	102,732	95,109	125,729	309,643	39,101

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 9, 2026

Data Sources Report a data error