Banco de Crédito e Inversiones stock in December (2025)

Banco de Crédito e ...

SNSE:BCI

$ 54.799,00

$0,00 (0,00%)

54.799,00 $

$0,00 (0,00%)

End-of-day quote: 12/08/2025

Banco de Crédito e Inversiones Stock Value

Analysts currently rate SNSE:BCI as Outperform.

Outperform

Banco de Crédito e Inversiones Company Info

EPS Growth 5Y

11,30%

Market Cap

$11.979,30 B

Long-Term Debt

$15.281,26 B

Quarterly earnings

12/11/2025

Dividend

$1.112,42

Dividend Yield

2,03%

Founded

1937

Industry

Financials

Country

Chile

Website

Banco de Crédito e Inversiones

ISIN Number

CLP321331116

Website

http://www.bci.cl

Analyst Price Target

$50.500,00

-7.85%

Last Update: 12/09/2025

Analysts: 10

Highest Price Target $54.000,00

Average Price Target $50.500,00

Lowest Price Target $29.890,00

In the last five quarters, Banco de Crédito e Inversiones’s Price Target has risen from $20.878,81 to $33.414,44 - a 60,04% increase. Seven analysts predict that Banco de Crédito e Inversiones’s share price will fall in the coming year, reaching $50.500,00. This would represent a decrease of -7,85%.

Top growth stocks in the financials sector (5Y.)

What does Banco de Crédito e Inversiones do?

Banco de Crédito e Inversiones (BCI), through its subsidiaries, provides various banking services, including retail banking, corporate banking, investment services, and financial services. Business Segments The company operates through various business segments, each tailored to cater to specific customer profiles and service demands. The segmentation strategy is designed to enhance customer service efficiency and optimize product offerings based on distinct commercial characteristics. Retail...

Banco de Crédito e Inversiones (BCI), through its subsidiaries, provides various banking services, including retail banking, corporate banking, investment services, and financial services.

Business Segments

The company operates through various business segments, each tailored to cater to specific customer profiles and service demands. The segmentation strategy is designed to enhance customer service efficiency and optimize product offerings based on distinct commercial characteristics.

Retail Banking Segment

The Retail Banking Segment serves individual customers, providing personal banking products and premium services tailored for diverse personal finance needs. This segment emphasizes accessibility and personalized banking experiences, catering to everyday banking requirements, mortgages, consumer loans, and more.

SME Banking Segment

The SME Banking segment focuses on small and medium enterprises with annual sales of up to UF 80,000. This division offers specialized financial products, including business loans, lines of credit, and advisory services to support the growth and operational needs of SMEs. The commitment to this segment underscores the importance of fostering entrepreneurial activity and supporting the backbone of the Chilean economy.

Wholesale Banking Segment

The Wholesale Banking segment comprises larger corporations with annual sales exceeding UF 80,000. This segment provides high-value financial solutions, including corporate financing, treasury services, and risk management solutions, aimed at facilitating complex transactions and enhancing capital management for large enterprises.

Finance Segment

The Finance segment includes the intermediation of financial positions and the management of BCI’s investment portfolio. It caters to high-net-worth clients and investors seeking exclusive financial services, including wealth management and investment advisory.

Financial Services

The financial services are another key segment, revolves around card issuance, cash advances, and personal insurance brokerage. It plays a vital role in facilitating daily financial transactions and ensuring customer convenience, enabling access to a comprehensive suite of financial products.

Business Strategy

The company follows a proactive business strategy aimed at maintaining its leadership position within the highly competitive financial services sector. The company is committed to fostering innovation, enhancing customer experience, and deploying technology to optimize its operations.

Key to the company’s strategy is the focus on customer satisfaction. By utilizing data-driven insights and customer feedback, BCI endeavors to continuously refine its offerings, ensuring they are relevant and aligned with market demands. This customer-centric approach extends beyond traditional banking services; BCI also seeks to understand the unique challenges faced by various customer segments and to offer tailored solutions.

Additionally, the company places a significant emphasis on enhancing its digital banking capabilities. Through investments in technology, the aim is to create user-friendly platforms that facilitate seamless banking experiences. These platforms are designed to provide customers with access to services anytime, anywhere, thereby promoting efficiency and convenience.

Collaboration and partnerships form an essential part of the company’s strategy, particularly in enhancing its product offerings and entering new markets. BCI actively seeks alliances with fintech companies and other financial institutions to leverage emerging technologies and innovative solutions, thereby improving the suite of services available to customers.

Products and Services

The company offers a diverse array of products and services tailored to meet the varying needs of its individual and corporate customers. The comprehensive portfolio includes specialized offerings across different financial areas.

Retail Banking

BCI provides personal banking products such as savings and checking accounts, personal loans, mortgages, and credit cards. These products are designed to support everyday financial needs and empower customers to achieve their financial plans through accessible and manageable solutions.

SME Banking segment

The SME banking segment extends various services including business loans, cash management solutions, credit facilities, and advisory services tailored to the operational needs of small and medium enterprises. These offerings aim to facilitate growth and financial stability for businesses.

Wholesale Banking Segment

The Wholesale Banking segment caters to corporations by delivering high-value products such as corporate financing, treasury services, and a suite of risk management solutions. BCI’s corporate loans are designed to support large-scale investments and operational liquidity.

Finance Segment

The Finance segment provides investment advisory services, wealth management, and portfolio management solutions for high-net-worth individuals, ensuring customized advisory experiences aligned with personal financial plans.

Specialized Services

The company offers specialized services which includes insurance brokerage, where the company provides clients with comprehensive insurance solutions tailored to their needs. This offering extends to life insurance, general insurance, and other risk mitigation products.

Card Issuance

The company’s engagement in the card issuance sector is exemplified through its BCI Líder Mastercard and Presto credit cards, providing customers with versatile payment solutions and enhanced transaction capabilities.

Financial Services

The financial services provided by BCI also include personal insurance brokerage and cash advance solutions that cater to urgent financial needs.

Geographical Markets Served

The company primarily serves the Chilean market, leveraging its extensive branch network and digital channels to reach clients across various regions of the country.

Seasonality

The company may experience seasonality in its financial operations, though this is somewhat tempered by the diverse nature of its service offerings. Retail banking activities may see fluctuations based on holiday seasons and consumer spending trends, affecting the demand for personal loans and credit products during peak periods.

In the case of corporate banking, the dynamics of business cycles, budget cycles, and investment patterns can also influence the volume of transactions observed throughout the year. Seasonal factors such as year-end financial planning and tax considerations may impact the demand for certain financial services.

Customers

The company serves a diverse array of clients across multiple categories, including individual consumers, small and medium-sized enterprises, and large corporations.

The retail segment caters to individual customers who rely on BCI for personal banking needs such as accounts, loans, and credit products. The bank is committed to providing accessible and efficient services to enhance financial well-being for its consumer base.

In the realm of wholesale banking, BCI caters to large corporations, providing bespoke financial solutions for complex financial needs. This segment typically includes a select group of clients that require high-value financing, risk management, and treasury services to manage large-scale operations.

Sales and Marketing

The company employs a diverse array of marketing and distribution channels to reach its customer segments effectively. The company relies on traditional marketing strategies such as advertisements, promotional campaigns, sponsorships, and public relations efforts to enhance brand visibility and communicate its value propositions.

In addition to conventional marketing, BCI embraces digital channels and technologies to meet the evolving preferences of customers. Online banking platforms, mobile applications, and social media marketing are integral components of BCI’s strategy, allowing easy access to products and services for tech-savvy consumers.

Government Regulations

The company operates in a tightly regulated environment, governed by Chilean banking laws and international financial regulations. Compliance with the General Banking Law, along with oversight from regulatory bodies, ensures the bank adheres to established standards in financial management, customer protection, and risk management.

History

Banco de Crédito e Inversiones was founded in 1937. The company was incorporated in 1937.

Banco de Crédito e Inversiones Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Industry Revenues: Banking Services: 65% Insurance: 20% Asset Management: 15% TOP 3 Markets: Chile: 70% USA: 15% Peru: 10% Banco de Crédito e Inversiones (BCI) generates the majority of its revenues from banking services, followed by insurance and asset management. The Chilean market is the domi...

At which locations are the company’s products manufactured?

Production Sites: Headquarters in Santiago, Chile Banco de Crédito e Inversiones (BCI) is a Chilean bank and not a production company in the traditional sense. As a financial institution, BCI does not "produce" physical products, but offers financial services. The headquarters is located i...

What strategy does Banco de Crédito e Inversiones pursue for future growth?

Current Growth Strategy: Diversification and Digitalization (2025) Banco de Crédito e Inversiones (BCI) is pursuing a strategy that heavily focuses on diversification and digitalization to secure future growth. The company is investing significantly in digital technologies to enhance and streamline...

Which raw materials are imported and from which countries?

Main Imported Raw Materials/Items: Paper, IT hardware, office supplies Main Import Countries: USA, China, Brazil Banco de Crédito e Inversiones (BCI) as a financial institution mainly imports materials necessary for the operation of banks, such as paper for documentation, IT hardware for banking sys...

How strong is the company’s competitive advantage?

Market share in Chile: 14% (2024) Return on equity: 15.2% (2024) Cost-Income-Ratio: 45% (2024) Banco de Crédito e Inversiones (BCI) has a significant competitive advantage in Chile, reflected in a stable market share of around 14%. The bank benefits from a strong brand presence and a comprehensive n...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: approximately 45% (estimated for 2025) Insider Buys/Sells: No significant transactions in the last year (2024) The institutional investor share at Banco de Crédito e Inversiones is estimated to be around 45%. This indicates that a significant number of shares are held b...

What percentage market share does Banco de Crédito e Inversiones have?

Market share of Banco de Crédito e Inversiones (BCI): 12% (2025, estimated) Main competitors and their market shares: Banco Santander Chile: 22% Banco de Chile: 20% Scotiabank Chile: 15% Banco de Crédito e Inversiones (BCI): 12% BancoEstado: 10% Banco de Crédito e Inversiones (BCI) is one of the l...

Is Banco de Crédito e Inversiones stock currently a good investment?

Revenue Growth: 8.9% (2024) Profit Growth: 7.5% (2024) Return on Equity: 11.2% (2024) Banco de Crédito e Inversiones (BCI) shows solid revenue and profit growth, indicating a stable business development. In 2024, the bank achieved a revenue growth of 8.9% and a profit growth of 7.5%. These growth ra...

Does Banco de Crédito e Inversiones pay a dividend – and how reliable is the payout?

Dividend Yield: 4.5% (2025, estimated) Dividend History: Continuous payouts over the last 5 years Banco de Crédito e Inversiones (BCI) is known for its reliable dividend payments. In recent years, BCI has consistently distributed dividends, indicating a stable financial foundation and solid earnings...

Banco de Crédito e Inversiones Stock Value

Banco de Crédito e Inversiones Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Banco de Crédito e Inversiones do?

Banco de Crédito e Inversiones Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal