Banco de Credito e Inversiones
Banco de Crédito e Inversiones provides various banking products and services in Chile, United States, and Peru. The company offers checking and current accounts; cards; mortgage and consumer credit, insurance, and investment services. It also offers short term and long term commercial credit, guarantee note, factoring, overdraft line, and leasing services. In addition, the company provides proje… Read more
Banco de Credito e Inversiones (BCI) - Net Assets
Latest net assets as of June 2025: CL$7.16 Trillion CLP
Based on the latest financial reports, Banco de Credito e Inversiones (BCI) has net assets worth CL$7.16 Trillion CLP as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CL$82.28 Trillion) and total liabilities (CL$75.12 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | CL$7.16 Trillion |
| % of Total Assets | 8.7% |
| Annual Growth Rate | 14.92% |
| 5-Year Change | 79.67% |
| 10-Year Change | N/A |
| Growth Volatility | 8.85 |
Banco de Credito e Inversiones - Net Assets Trend (2015–2024)
This chart illustrates how Banco de Credito e Inversiones's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Banco de Credito e Inversiones (2015–2024)
The table below shows the annual net assets of Banco de Credito e Inversiones from 2015 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | CL$7.00 Trillion | +15.33% |
| 2023-12-31 | CL$6.07 Trillion | +27.02% |
| 2022-12-31 | CL$4.78 Trillion | +6.12% |
| 2021-12-31 | CL$4.50 Trillion | +15.58% |
| 2020-12-31 | CL$3.89 Trillion | +2.69% |
| 2019-12-31 | CL$3.79 Trillion | +9.66% |
| 2018-12-31 | CL$3.46 Trillion | +26.76% |
| 2017-12-31 | CL$2.73 Trillion | +8.32% |
| 2016-12-31 | CL$2.52 Trillion | +25.90% |
| 2015-12-31 | CL$2.00 Trillion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Banco de Credito e Inversiones's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 297.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | CL$919.31 Billion | 13.14% |
| Other Components | CL$6.08 Trillion | 86.86% |
| Total Equity | CL$7.00 Trillion | 100.00% |
Banco de Credito e Inversiones Competitors by Market Cap
The table below lists competitors of Banco de Credito e Inversiones ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Crispr Therapeutics AG
NASDAQ:CRSP
|
$4.63 Billion |
|
Silicon Motion Technology
NASDAQ:SIMO
|
$4.63 Billion |
|
Charter Hall Group
PINK:CTOUF
|
$4.63 Billion |
|
Broadex Technologies Co Ltd
SHE:300548
|
$4.63 Billion |
|
AVIC Aircraft Co Ltd
SHE:000768
|
$4.62 Billion |
|
Loral Space & Communications Inc
TO:LORL
|
$4.62 Billion |
|
Tokyo Electric Power Co
PINK:TKECY
|
$4.62 Billion |
|
Yunnan Tin Co Ltd
SHE:000960
|
$4.62 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Banco de Credito e Inversiones's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 6,065,795,000,000 to 6,995,773,000,000, a change of 929,978,000,000 (15.3%).
- Net income of 801,642,000,000 contributed positively to equity growth.
- Dividend payments of 218,604,000,000 reduced retained earnings.
- Other factors increased equity by 346,940,000,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | CL$801.64 Billion | +11.46% |
| Dividends Paid | CL$218.60 Billion | -3.12% |
| Other Changes | CL$346.94 Billion | +4.96% |
| Total Change | CL$- | 15.33% |
Book Value vs Market Value Analysis
This analysis compares Banco de Credito e Inversiones's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.84x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.99x to 1.84x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | CL$19678.02 | CL$58855.00 | x |
| 2018-12-31 | CL$23240.97 | CL$58855.00 | x |
| 2019-12-31 | CL$25485.86 | CL$58855.00 | x |
| 2020-12-31 | CL$26172.44 | CL$58855.00 | x |
| 2021-12-31 | CL$28867.64 | CL$58855.00 | x |
| 2022-12-31 | CL$28284.49 | CL$58855.00 | x |
| 2023-12-31 | CL$27747.84 | CL$58855.00 | x |
| 2024-12-31 | CL$32002.00 | CL$58855.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Banco de Credito e Inversiones utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.46%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 26.49%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 11.92x
- Recent ROE (11.46%) is below the historical average (13.74%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 16.54% | 34.20% | 0.03x | 14.34x | CL$130.79 Billion |
| 2016 | 13.51% | 26.48% | 0.04x | 12.25x | CL$88.30 Billion |
| 2017 | 13.62% | 27.19% | 0.04x | 12.42x | CL$98.62 Billion |
| 2018 | 11.45% | 25.00% | 0.04x | 11.96x | CL$50.04 Billion |
| 2019 | 10.62% | 21.34% | 0.04x | 13.28x | CL$23.50 Billion |
| 2020 | 8.15% | 15.64% | 0.04x | 14.68x | CL$-71.91 Billion |
| 2021 | 11.56% | 24.12% | 0.03x | 15.37x | CL$70.38 Billion |
| 2022 | 29.26% | 40.97% | 0.04x | 16.34x | CL$919.52 Billion |
| 2023 | 11.25% | 23.30% | 0.04x | 12.82x | CL$75.89 Billion |
| 2024 | 11.46% | 26.49% | 0.04x | 11.92x | CL$102.06 Billion |
Industry Comparison
This section compares Banco de Credito e Inversiones's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $1,124,555,471,000
- Average return on equity (ROE) among peers: 13.84%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Banco de Credito e Inversiones (BCI) | CL$7.16 Trillion | 16.54% | 10.49x | $4.63 Billion |
| Grupo Security (SECURITY) | $1.12 Trillion | 13.84% | 12.92x | $233.46 Million |