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Under new regulations 1 Changes
Consolidated Balance Sheet 2008 2008 2009 2010 2011 2012 2013 2014 2013/2014
1 Under new accounting standards put in effect January 1, 2009 by the Superintendency of Banks and Financial Institutions.
Transaction balances for each year, expressed in Ch$ million
Commercial and interbanks Loans 6,835,561 6,835,939 6,159,662 6,544,486 7,880,994 9,048,347 9,946,350 10,799,382 8,6%
Mortgage loans 1,690,214 1,693,924 1,736,465 1,913,547 2,168,712 2,466,999 2,818,822 3,317,344 17,7%
Consumer loans 1,003,813 1,008,781 1,041,979 1,174,581 1,400,739 1,620,457 1,764,297 1,985,762 12,6%
Total loans 9,529,588 9,538,644 8,938,106 9,632,614 11,450,445 13,135,803 14,529,469 16,102,488 10,8%
Allowances for credit risk (131,820) (131,984) (194,334) (249,328) (277,297) (299,373) (334,247) (342,596) 2,5%
Total net loans 9,397,768 9,406,660 8,743,772 9,383,286 11,173,148 12,836,430 14,195,222 15,759,892 11,0%
                   
Financial Investments 1,452,092 1,458,519 1,951,298 1,346,687 2,072,068 1,994,900 1,976,887 2,086,992 5,6%
Other assets 1,946,512 1,897,758 2,426,452 2,465,311 2,864,445 3,095,248 4,074,560 5,956,285 46,2%
Total assets 12,796,372 12,762,937 13,121,522 13,195,284 16,109,661 17,926,578 20,246,669 23,803,169 17,6%
                   
NIBDs  2,021,931  2,021,931  2,400,959  2,844,029  3,172,480  3,618,365   3,920,617 4,592,440 17,1%
Term deposits  6,071,804  6,071,804  5,491,152  5,467,545  6,749,054  7,222,588  7,707,698 8,228,609 6,8%
Other obligations  3,912,386  3,902,204  4,333,258  3,844,544  4,966,078  5,665,668  7,036,254 9,181,156 30,5%
Capital and reserves  683,811  620,411  783,608  883,708  1,039,157  1,230,077   1,371,893 1,560,882 13,8%
Allowances for minimum dividends  (45,617)  (45,617)  (48,232)  (66,623)  (78,380)  (81,377)  (90,088) (102,891) 14,2%
Nei income  152,057  192,203  160,774  222,075  261,268  271,256   300,294 342,972 14,2%
Minority Interest  1  1  3  6  4  1  1 1 0,0%
Total liabilities and shareholder's equity  12,796,373  12,762,937  13,121,522  13,195,284  16,109,661  17,926,578  20,246.66, 23,803,169 17,6%
 
Under new regulations 1 Changes
Financial Indicators 2008 2008 2009 2010 2011 2012 2013 2014 2013/2014
2 Excludes Corpbanca Colombia.
3 Allowance expense is defined as the sum of the expenses of provisions for credit risk and credit contingency.
Bci shares
Price 14,950 10,841 10,841 16,576 33,058 28,789 29,162 29,944 2,68%
Earning per share 1,538.10 1,944.20 1,585.70 2,153.85 2,504.22 2,562.52 2,802 3,155 12,60%
Stock price / book value (times) 1.57 1.70 2.14 3.86 2.57 2.42 1,98 1,81 -0,17%
Stock price / earnings per share (times) 7.05 5.58 10.45 15.35 12.95 12.67 10,41 9,49 -0,92%
Market capitalization (Ch$ million) 1,071,745 1,071,745 1,680,642 3,408,483 3,003,599 3,437,305 3,125,421 3,254,948 4,14%
Profitability and efficiency                  
Return of equity  23.82%  33.44%  21.86%  21.37%  21.38%  19.10%  18,98% 19,04% 6 pb
Capitalized earnings of
previous year
 54.72%  54.72%  69.44%  68.47%  67.50%  67.06%  66,24% 55,03% -1,121 pb
Return on assets  1.19%  1.50%  1.22%  1.68%  1.61%  1.51%   1,48% 1,44% -4 pb
Efficiency (operating expenses/operating income)  44.76%  48.25%  44.71%  45.42%  44.93%  46.08%  43,95% 43,84% -11pb
Assets per employee (Ch$ million)  1,393  1,389  1,482  1,420  1,576  1,692  1,925 2,265 340
Market Share                  
Loans2  13.30%  13.30%  12.76%  12.72%  12.94%  12.95%   13,23% 13,08% -15 pb
Risk                  
Allowance expenses3 / total loans (Loss provisions/total loans)  1.32%  1.32%  1.95%  1.53%  1.26%  1.3%   1,50% 1,35% -15 pb
Allowances over total loans  1.38%  1.40%  2.18%  2.50%  2.42%  2.28%   2,30% 2,13% -17 pb
 
Changes
Activity Indicator (number) 2008 2008 2009 2010 2011 20122013 2014 2013/2014
4 ATM withdrawals.
5 Until the year 2009, transactions with or without authentication passwords were considered. From 2010 forward, only transactions with authentication passwords.
pb: base points
Employees (Bci Corporation)  9,185  9,185  8,848  9,346  10,220  10,595 10,518 10,511 -7
Branches and contact points  326  326  332  365  378  388 384 361  -23
Checking accounts  373,043  373,043  397,764  425,233  449,700  489,816 511,662 528,598 13,795
Electronic checkbooks  959,580  959,580  1,107,366  1,115,633  1,215,527  1,208,989 1,220,326 939,381 -282,652
ATMs  990  990  1,013  1,111  1,333  1,294 1,080 1,037 -43
ATM transactions4 (December of each year)  3,777,608  3,777,608  4,037,717  5,455,584  5,672,989  4,572,650 4,173,362 4,675,418 502,056
Internet transactions5 (December of each year)  18,510,037  18,510,037  24,827,278  12,925,182  14,434,020  10,472,378 16,083,389 15,814,481 -268,908
Customers with internet
access passwords
 297,239  297,239  333,379  404,956  408,987  428,310 508,061 464,048 34,135
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