Banco de Credito e Inversiones (BCI) - Net Assets
Based on the latest financial reports, Banco de Credito e Inversiones (BCI) has net assets worth CL$7.45 Trillion CLP (≈ $8.33 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CL$81.57 Trillion ≈ $91.22 Billion USD) and total liabilities (CL$74.12 Trillion ≈ $82.89 Billion USD). 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. Check BCI asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | CL$7.45 Trillion |
| % of Total Assets | 9.13% |
| Annual Growth Rate | 14.04% |
| 5-Year Change | 65.42% |
| 10-Year Change | 195.64% |
| Growth Volatility | 8.81 |
Banco de Credito e Inversiones - Net Assets Trend (2015–2025)
This chart illustrates how Banco de Credito e Inversiones's net assets have evolved over time, based on quarterly financial data. Also explore Banco de Credito e Inversiones balance sheet assets for the complete picture of this company's asset base.
Annual Net Assets for Banco de Credito e Inversiones (2015–2025)
The table below shows the annual net assets of Banco de Credito e Inversiones from 2015 to 2025. For live valuation and market cap data, see Banco de Credito e Inversiones (BCI) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | CL$7.45 Trillion ≈ $8.33 Billion |
+6.41% |
| 2024-12-31 | CL$7.00 Trillion ≈ $7.83 Billion |
+15.33% |
| 2023-12-31 | CL$6.07 Trillion ≈ $6.79 Billion |
+27.02% |
| 2022-12-31 | CL$4.78 Trillion ≈ $5.34 Billion |
+6.12% |
| 2021-12-31 | CL$4.50 Trillion ≈ $5.03 Billion |
+15.58% |
| 2020-12-31 | CL$3.89 Trillion ≈ $4.36 Billion |
+2.69% |
| 2019-12-31 | CL$3.79 Trillion ≈ $4.24 Billion |
+9.66% |
| 2018-12-31 | CL$3.46 Trillion ≈ $3.87 Billion |
+26.76% |
| 2017-12-31 | CL$2.73 Trillion ≈ $3.05 Billion |
+8.32% |
| 2016-12-31 | CL$2.52 Trillion ≈ $2.82 Billion |
+25.90% |
| 2015-12-31 | CL$2.00 Trillion ≈ $2.24 Billion |
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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 420.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | CL$1.20 Trillion | 16.18% |
| Other Components | CL$6.24 Trillion | 83.82% |
| Total Equity | CL$7.44 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 |
|---|---|
|
Hanwha Systems Co Ltd
KO:272210
|
$14.86 Billion |
|
Muthoot Finance Limited
NSE:MUTHOOTFIN
|
$14.87 Billion |
|
Hyundai Heavy Industries Holdings Co Ltd
KO:267250
|
$14.87 Billion |
|
MTN GROUP ADR/1 RC-0001
F:LL6A
|
$14.90 Billion |
|
Heico Corporation
NYSE:HEI
|
$14.80 Billion |
|
JULIUS BAER GRP. ADR/1/5
F:JGE1
|
$14.77 Billion |
|
Jones Lang LaSalle Incorporated
NYSE:JLL
|
$14.77 Billion |
|
Banco Santander Chile
NYSE:BSAC
|
$14.76 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 2024 to 2025, total equity changed from 6,995,773,000,000 to 7,444,148,000,000, a change of 448,375,000,000 (6.4%).
- Net income of 996,006,000,000 contributed positively to equity growth.
- Dividend payments of 242,651,000,000 reduced retained earnings.
- Other factors decreased equity by 304,980,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | CL$996.01 Billion | +13.38% |
| Dividends Paid | CL$242.65 Billion | -3.26% |
| Other Changes | CL$-304.98 Billion | -4.1% |
| Total Change | CL$- | 6.41% |
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: 1.79x
- 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 3.09x to 1.79x 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$60800.00 | x |
| 2018-12-31 | CL$23240.97 | CL$60800.00 | x |
| 2019-12-31 | CL$25485.86 | CL$60800.00 | x |
| 2020-12-31 | CL$26172.44 | CL$60800.00 | x |
| 2021-12-31 | CL$28867.64 | CL$60800.00 | x |
| 2022-12-31 | CL$28284.49 | CL$60800.00 | x |
| 2023-12-31 | CL$27747.84 | CL$60800.00 | x |
| 2024-12-31 | CL$32002.00 | CL$60800.00 | x |
| 2025-12-31 | CL$34053.08 | CL$60800.00 | 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): 13.38%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 30.51%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 10.96x
- Recent ROE (13.38%) is below the historical average (13.71%), 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 |
| 2025 | 13.38% | 30.51% | 0.04x | 10.96x | CL$251.59 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: $3,241,560,105,000
- Average return on equity (ROE) among peers: 11.53%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Banco de Credito e Inversiones (BCI) | CL$7.45 Trillion | 16.54% | 9.95x | $14.86 Billion |
| Banco Santander Chile (BSANTANDER) | $5.32 Trillion | 10.90% | 12.37x | $15.16 Billion |
| Banco de Chile (CHILE) | $3.55 Trillion | 16.14% | 8.18x | $19.06 Billion |
| Grupo Security (SECURITY) | $861.74 Billion | 7.56% | 12.83x | $1.49 Billion |
About Banco de Credito e Inversiones
Banco de Crédito e Inversiones provides various banking products and services in Chile, the United States, and Peru. It offers checking and current accounts; debit and credit cards; consumer and mortgage loans; factoring and leasing financing solutions; corporate finance and agency solutions; transactional services; and foreign exchange, hedging and structuring of derivatives, fixed income produc… Read more