Banco Internacional (SNSE: BINT)

Banco Internacional Income Statement

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
Interest Income on Loans	299,512	288,791	186,129	77,901	137,480	131,149
Interest Paid on Deposits	201,177	200,091	109,584	29,644	69,512	74,732
Net Interest Income	98,335	88,700	76,545	48,257	67,968	56,417
Net Interest Income Growth (YoY)	9.65%	15.88%	58.62%	-29.00%	20.47%	14.54%
Income From Trading Activities	24,385	22,446	2,744	18,784	-	-
Gain (Loss) on Sale of Assets	-2,296	-400	-75	-2,617	20,552	14,478
Gain (Loss) on Sale of Investments	24,354	22,228	20,573	18,248	-63	13
Other Non-Interest Income	47,562	38,864	34,720	27,192	26,803	24,659
Total Non-Interest Income	94,005	83,138	57,962	61,607	47,292	39,150
Non-Interest Income Growth (YoY)	55.48%	43.44%	-5.92%	30.27%	20.80%	146.83%
Revenues Before Loan Losses	192,340	171,838	134,507	109,864	115,260	95,567
Provision for Loan Losses	32,468	27,560	19,967	16,020	41,932	18,470
Revenue	159,872	144,278	114,540	93,844	73,328	77,097
Revenue Growth (YoY)	20.59%	25.96%	22.05%	27.98%	-4.89%	36.55%
Salaries and Employee Benefits	61,922	52,578	43,154	32,254	28,834	27,466
Occupancy Expenses	6,414	5,636	5,482	5,006	4,338	3,771
Selling, General & Administrative	29,273	21,126	13,174	12,605	10,192	7,600
Other Non-Interest Expense	4,338	2,932	698	2,481	5,118	6,985
Total Non-Interest Expense	101,947	82,272	62,508	52,346	48,482	45,822
EBT Excluding Unusual Items	57,925	62,006	52,032	41,498	24,846	31,275
Asset Writedown	8	-	-	-	-	-
Other Unusual Items	5,152	5,152	-	-	-91	-
Pretax Income	63,085	67,158	52,032	41,498	24,755	31,275
Income Tax Expense	9,332	12,733	4,505	8,469	-498	6,222
Earnings From Continuing Operations	53,753	54,425	47,527	33,029	25,253	25,053
Minority Interest in Earnings	984	984	-1	-1	-	-1
Net Income	54,737	55,409	47,526	33,028	25,253	25,052
Net Income to Common	54,737	55,409	47,526	33,028	25,253	25,052
Net Income Growth	22.43%	16.59%	43.90%	30.79%	0.80%	66.34%
Basic Shares Outstanding	4,210	4,209	3,749	3,749	3,749	3,419
Diluted Shares Outstanding	4,210	4,209	3,749	3,749	3,749	3,419
Shares Change (YoY)	2.84%	12.28%	-	-	9.63%	16.57%
EPS (Basic)	13.00	13.16	12.68	8.81	6.74	7.33
EPS (Diluted)	13.00	13.16	12.68	8.81	6.74	7.33
EPS Growth	19.04%	3.80%	43.90%	30.78%	-8.05%	42.82%
Dividend Per Share	3.949	3.949	3.803	2.643	2.021	2.198
Dividend Growth	3.84%	3.84%	43.89%	30.79%	-8.05%	47.10%
Effective Tax Rate	14.79%	18.96%	8.66%	20.41%	-	19.89%

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