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Banco Internacional

SNSE:BINT
Snowflake Description

Adequate balance sheet and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BINT
SNSE
CLP214B
Market Cap
  1. Home
  2. CL
  3. Banks
Company description

Banco Internacional S.A. provides various banking products and services in Chile. The last earnings update was 8 days ago. More info.


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BINT Share Price and Events
7 Day Returns
0%
SNSE:BINT
6.3%
CL Banks
4.4%
CL Market
1 Year Returns
7.5%
SNSE:BINT
-7.8%
CL Banks
-10%
CL Market
BINT Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Banco Internacional (BINT) 0% -8% -9.3% 7.5% 9.3% -
CL Banks 6.3% -7.8% -6.9% -7.8% 29.5% 48.3%
CL Market 4.4% -7.3% -1.8% -10% 5.4% 1.1%
1 Year Return vs Industry and Market
  • BINT outperformed the Banks industry which returned -7.8% over the past year.
  • BINT outperformed the Market in Chile which returned -10% over the past year.
Price Volatility
BINT
Industry
5yr Volatility vs Market
Related Companies

BINT Value

 Is Banco Internacional undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Banco Internacional to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Banco Internacional.

SNSE:BINT Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= CLP43.60 * 12.5%
CLP5.44
Book Value of Equity per Share Median Book Value from the past 5 years. CLP43.60
Discount Rate (Cost of Equity) See below 14.7%
Perpetual Growth Rate 10-Year CL Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for SNSE:BINT
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year CL Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.62
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.616 (1 + (1- 26%) (594.75%))
2.56
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
2
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (2 * 5.96%)
14.65%

Discounted Cash Flow Calculation for SNSE:BINT using Excess Returns Model Model

The calculations below outline how an intrinsic value for Banco Internacional is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

SNSE:BINT Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (12.5% – 14.65%) * CLP43.60)
CLP-0.95
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= CLP-0.95 / (14.65% - 2.73%)
CLP-7.97
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= CLP43.60 + CLP-7.97
CLP35.63
SNSE:BINT Discount to Share Price
Calculation Result
Value per share (CLP) From above. CLP35.63
Current discount Discount to share price of CLP70.88
= -1 x (CLP70.88 - CLP35.63) / CLP35.63
-98.9%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Banco Internacional is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Banco Internacional's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Banco Internacional's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
SNSE:BINT PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-09-30) in CLP CLP6.81
SNSE:BINT Share Price ** SNSE (2019-11-18) in CLP CLP70.88
Chile Banks Industry PE Ratio Median Figure of 7 Publicly-Listed Banks Companies 15.55x
Chile Market PE Ratio Median Figure of 133 Publicly-Listed Companies 13.07x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Banco Internacional.

SNSE:BINT PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= SNSE:BINT Share Price ÷ EPS (both in CLP)

= 70.88 ÷ 6.81

10.41x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Banco Internacional is good value based on earnings compared to the CL Banks industry average.
  • Banco Internacional is good value based on earnings compared to the Chile market.
Price based on expected Growth
Does Banco Internacional's expected growth come at a high price?
Raw Data
SNSE:BINT PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 10.41x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
South America Banks Industry PEG Ratio Median Figure of 23 Publicly-Listed Banks Companies 0.95x
Chile Market PEG Ratio Median Figure of 29 Publicly-Listed Companies 1.07x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Banco Internacional, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Banco Internacional's assets?
Raw Data
SNSE:BINT PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-09-30) in CLP CLP41.53
SNSE:BINT Share Price * SNSE (2019-11-18) in CLP CLP70.88
Chile Banks Industry PB Ratio Median Figure of 7 Publicly-Listed Banks Companies 1.71x
Chile Market PB Ratio Median Figure of 161 Publicly-Listed Companies 1.03x
SNSE:BINT PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= SNSE:BINT Share Price ÷ Book Value per Share (both in CLP)

= 70.88 ÷ 41.53

1.71x

* Primary Listing of Banco Internacional.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Banco Internacional is good value based on assets compared to the CL Banks industry average.
X
Value checks
We assess Banco Internacional's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Banco Internacional has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

BINT Future Performance

 How is Banco Internacional expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Banco Internacional has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
12.4%
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Banco Internacional expected to grow at an attractive rate?
  • Unable to compare Banco Internacional's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Banco Internacional's earnings growth to the Chile market average as no estimate data is available.
  • Unable to compare Banco Internacional's revenue growth to the Chile market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
SNSE:BINT Future Growth Rates Data Sources
Data Point Source Value (per year)
Chile Banks Industry Earnings Growth Rate Market Cap Weighted Average 12.4%
South America Banks Industry Revenue Growth Rate Market Cap Weighted Average 12.7%
Chile Market Earnings Growth Rate Market Cap Weighted Average 11.8%
Chile Market Revenue Growth Rate Market Cap Weighted Average 5.7%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
SNSE:BINT Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in CLP Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
SNSE:BINT Past Financials Data
Date (Data in CLP Millions) Revenue Cash Flow Net Income *
2019-09-30 73,578 88,568 24,776
2019-06-30 64,039 66,834 19,365
2019-03-31 57,941 185,184 15,196
2018-12-31 56,459 -48,937 15,061
2018-09-30 51,497 -224,013 14,678
2018-06-30 50,863 -197,144 13,954
2018-03-31 51,473 -372,915 14,956
2017-12-31 46,913 -194,729 12,121
2017-09-30 47,458 -235,587 10,648
2017-06-30 45,068 -142,295 10,471
2017-03-31 41,392 -168,225 8,701
2016-12-31 41,537 -154,009 9,449

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Banco Internacional is high growth as no earnings estimate data is available.
  • Unable to determine if Banco Internacional is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
SNSE:BINT Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Banco Internacional Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

SNSE:BINT Past Financials Data
Date (Data in CLP Millions) EPS *
2019-09-30 6.81
2019-06-30 6.04
2019-03-31 4.86
2018-12-31 5.13
2018-09-30 6.07
2018-06-30 5.90
2018-03-31 6.64
2017-12-31 5.38
2017-09-30 4.73
2017-06-30 4.65
2017-03-31 3.87
2016-12-31 4.19

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Banco Internacional will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine whether Banco Internacional is trading at Banco Internacional'san attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  2. Banco Internacional's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  3. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Banco Internacional's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Chile market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the South America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Banco Internacional has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

BINT Past Performance

  How has Banco Internacional performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Banco Internacional's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Banco Internacional has delivered over 20% year on year earnings growth in the past 5 years.
  • Banco Internacional's 1-year earnings growth exceeds its 5-year average (68.8% vs 48.7%)
  • Banco Internacional's earnings growth has exceeded the CL Banks industry average in the past year (68.8% vs 14.8%).
Earnings and Revenue History
Banco Internacional's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Banco Internacional Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

SNSE:BINT Past Revenue, Cash Flow and Net Income Data
Date (Data in CLP Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-09-30 73,578.00 24,776.00 37,759.00
2019-06-30 64,039.00 19,365.00 35,683.00
2019-03-31 57,941.00 15,196.00 34,991.00
2018-12-31 56,459.00 15,061.00 34,056.00
2018-09-30 51,497.00 14,678.00 31,172.00
2018-06-30 50,863.00 13,954.00 30,862.00
2018-03-31 51,473.00 14,956.00 31,183.00
2017-12-31 46,913.00 12,121.00 30,313.00
2017-09-30 47,458.00 10,648.00 31,500.00
2017-06-30 45,068.00 10,471.00 30,914.00
2017-03-31 41,392.00 8,701.00 29,706.00
2016-12-31 41,537.00 9,449.00 28,968.00
2016-09-30 37,749.00 5,133.00 29,850.00
2016-06-30 35,296.00 3,574.00 28,469.00
2016-03-31 31,777.00 1,662.00 28,667.00
2015-12-31 29,374.00 96.00 27,672.00
2015-09-30 28,844.00 545.00 26,827.00
2015-06-30 27,773.00 -175.00 26,911.00
2015-03-31 30,720.00 935.00 26,318.00
2014-12-31 31,694.00 2,155.00 26,315.00
2014-09-30 32,024.00 3,364.00 25,106.00
2014-06-30 32,473.00 3,649.00 24,763.00
2014-03-31 30,232.00 2,800.00 24,444.00
2013-12-31 29,231.00 2,520.00 24,191.00
2013-09-30 27,850.00 913.00 23,854.00
2013-06-30 27,291.00 720.00 23,825.00
2013-03-31 27,041.00 1,023.00 23,515.00
2012-12-31 26,653.00 804.00 22,856.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Banco Internacional has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Banco Internacional used its assets less efficiently than the CL Banks industry average last year based on Return on Assets.
  • Unable to establish if Banco Internacional improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Banco Internacional's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Banco Internacional has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

BINT Health

 How is Banco Internacional's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Banco Internacional's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Banco Internacional Company Filings, last reported 1 month ago.

SNSE:BINT Past Debt and Equity Data
Date (Data in CLP Millions) Total Equity Total Debt Cash & Short Term Investments
2019-09-30 174,489.00 1,257,045.00 1,065,676.00
2019-06-30 152,006.00 926,359.00 490,969.00
2019-03-31 147,036.00 692,169.00 366,465.00
2018-12-31 138,415.00 575,651.00 300,701.00
2018-09-30 114,969.00 534,739.00 307,528.00
2018-06-30 113,021.00 406,312.00 204,172.00
2018-03-31 111,888.00 284,945.00 92,597.00
2017-12-31 98,241.00 248,646.00 114,794.00
2017-09-30 95,844.00 203,755.00 174,943.00
2017-06-30 93,819.00 122,205.00 108,965.00
2017-03-31 97,845.00 114,893.00 128,135.00
2016-12-31 96,890.00 122,735.00 243,831.00
2016-09-30 96,335.00 139,524.00 153,871.00
2016-06-30 94,506.00 143,843.00 110,398.00
2016-03-31 93,123.00 150,964.00 181,750.00
2015-12-31 91,652.00 156,714.00 252,694.00
2015-09-30 72,630.00 172,667.00 176,924.00
2015-06-30 71,859.00 159,317.00 117,293.00
2015-03-31 71,074.00 168,775.00 145,250.00
2014-12-31 70,790.00 162,894.00 68,234.00
2014-09-30 71,515.00 151,348.00 284,252.00
2014-06-30 71,172.00 165,640.00 91,917.00
2014-03-31 68,538.00 178,212.00 94,761.00
2013-12-31 67,646.00 161,544.00 45,742.00
2013-09-30 67,551.00 153,655.00 306,903.00
2013-06-30 67,106.00 132,940.00 85,928.00
2013-03-31 66,513.00 127,686.00 79,188.00
2012-12-31 63,156.00 143,180.00 67,443.00
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Banco Internacional has an acceptable proportion of non-loan assets held.
  • Banco Internacional's liabilities are made up of primarily low risk sources of funding.
  • Loans at Banco Internacional are broadly funded by customer deposits.
  • Banco Internacional's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • Banco Internacional has a low allowance for bad loans.
  • Banco Internacional has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess Banco Internacional's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Banco Internacional has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

BINT Dividends

 What is Banco Internacional's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
2.11%
Current annual income from Banco Internacional dividends.
If you bought CLP2,000 of Banco Internacional shares you are expected to receive CLP42 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Banco Internacional's pays a higher dividend yield than the bottom 25% of dividend payers in Chile (2.11%).
  • Banco Internacional's dividend is below the markets top 25% of dividend payers in Chile (5.31%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
SNSE:BINT Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Chile Banks Industry Average Dividend Yield Market Cap Weighted Average of 7 Stocks 3.1%
Chile Market Average Dividend Yield Market Cap Weighted Average of 133 Stocks 4%
Chile Minimum Threshold Dividend Yield 10th Percentile 0.9%
Chile Bottom 25% Dividend Yield 25th Percentile 2.1%
Chile Top 25% Dividend Yield 75th Percentile 5.3%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

SNSE:BINT Past Annualized Dividends Data
Date (Data in CLP) Dividend per share (annual) Avg. Yield (%)
2019-04-29 1.494 1.920
2019-02-27 1.494 1.956
2018-05-07 1.614 2.382
2018-02-28 1.614 2.486
2018-02-27 1.614 2.511
2017-08-14 4.194 6.524
2017-03-31 4.194 6.409
2017-02-27 4.194 6.567
2016-05-02 0.042 0.066
2016-02-26 0.042 0.064

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Banco Internacional has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).
  • Dividend payments have increased, but Banco Internacional only paid a dividend in the past 4 years.
Current Payout to shareholders
What portion of Banco Internacional's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (4.6x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Banco Internacional's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.9%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Banco Internacional afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Banco Internacional has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

BINT Management

 What is the CEO of Banco Internacional's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Mario Chamorro Carrizo
AGE 61
TENURE AS CEO 4 years
CEO Bio

Mr. Mario Chamorro Carrizo has been General Manager of Banco Internacional S.A. since November 21, 2015 and Tanner Servicios Financieros S.A. since February 2014. Mr. Carrizo served as the Chief Executive Officer of Corpbanca Sa. from May 30, 2006 to December 30, 2011. From 2003 to 2006, Mr. Chamorro served as the Chief Executive Officer of CorpBanca S.A. former affiliate, CorpBanca Venezuela and later served as Chairman of the Board of Directors of CorpBanca Venezuela. From 2001 to 2003 he served as the Chief Executive Officer of CorpBanca in Chile and from 1999 to 2001 he served as its Chief Operating Officer. From 1996 to 1999 he served as the Chief Financial Officer of Corp. Group and he held a similar position at Banco Osorno. Mr. Chamorro received a B.A. in Business and Administration from the Universidad de Chile. He received Master’s degree in Business Administration from the University of California in Los Angeles, a Masters in Economics from Universidad de Chile and Pontificia Universidad Católica de Chile. He holds Bachelor’s degree in Commercial Engineering from Pontificia Universidad Católica de Chile.

CEO Compensation
  • Insufficient data for Mario to compare compensation growth.
  • Insufficient data for Mario to establish whether their remuneration is reasonable compared to companies of similar size in .
Management Team

Mario Chamorro Carrizo

TITLE
General Manager
AGE
61
TENURE
4 yrs

Javier P. Barrenechea

TITLE
Finance Division Manager

Carmen González

TITLE
Operations Division Manager

Marcelo Araya Jara

TITLE
Deputy Accounting Manager

Rolando Ruiz

TITLE
Technology & Systems Division Manager

Marco Antonio Bravo

TITLE
Compliance Division Manager

Sebastián Salgó

TITLE
Manager of legal Division

Natalia Madrid Solari

TITLE
Human Resources Division Manager
TENURE
3.8 yrs

Hernán Linetzky

TITLE
Head of International Business

Marta Sabina Cea Novoa

TITLE
Comptrolling Manager
Board of Directors Tenure

Average tenure of the Banco Internacional board of directors in years:

4.8
Average Tenure
  • The tenure for the Banco Internacional board of directors is about average.
Board of Directors

Segismundo Schulin-Zeuthen

TITLE
Chairman of the Board
AGE
75
TENURE
0.6 yrs

Andrés Solari Urquieta

TITLE
Vice Chairman of the Board
TENURE
4.8 yrs

Juan Antonio Minassian Baloian

TITLE
Independent Director
TENURE
4.2 yrs

Fernando Lefort Gorchs

TITLE
Independent Director
TENURE
4.8 yrs

Andrés Navarro Betteley

TITLE
Director

Carlos Brito Claissac

TITLE
Director

Pablo Ihnen De La Fuente

TITLE
Director
TENURE
4.8 yrs

Francisco Vial Bezanilla

TITLE
Director
TENURE
4.8 yrs

Sebastián Claro Edwards

TITLE
Director
TENURE
0.6 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (CLP) Value (CLP)
X
Management checks
We assess Banco Internacional's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Banco Internacional has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

BINT News

Simply Wall St News

BINT Company Info

Description

Banco Internacional S.A. provides various banking products and services in Chile. Its products and services include current accounts; mortgage credit; consumer credit; debit and credit cards; investment products and services; insurance services; state and other guarantees; foreign trade; leasing; factoring; cash management; and electronic payment and online banking services. The company was formerly known as Banco Israelita de Chile and changed its name to Banco Internacional S.A. in July 1981. Banco Internacional S.A. was founded in 1944 and is based in Santiago, Chile. Banco Internacional S.A. is a subsidiary of Inversiones La Construcción S.A.

Details
Name: Banco Internacional
BINT
Exchange: SNSE
Founded: 1944
CLP214,339,225,873
3,023,973,277
Website: http://www.bancointernacional.cl
Address: Banco Internacional
Moneda 818,
Santiago,
Region Metropolitana (Santiago), Chile
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
SNSE BINT Ordinary Shares Santiago Stock Exchange CL CLP 30. Oct 2015
Number of employees
Current staff
Staff numbers
0
Banco Internacional employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/11/19 18:09
End of day share price update: 2019/11/18 00:00
Last earnings filing: 2019/11/11
Last earnings reported: 2019/09/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.