Chile's Banco de Crdito e Inversiones (BCI) offers a wide range of banking and other financial services to individuals and businesses alike. The company operates through three segments: retail banking, commercial banking, and investment banking. BCI's retail products comprise checking accounts, savings accounts, and sight accounts; consumer and mortgage loans, credit cards, and financing services; investment and insurance products; and products for entrepreneurs and SMEs. It also provides corporate banking products and services, including short and long-term financing, money desk products, business credit cards, foreign trade services, payment and collection services, and financing for working capital (credit lines) and fixed asset investments (investment and mortgage loans), to industrial and public sectors, government agencies, and corporations. The bank's investment banking products and services include time deposits, mutual funds, and spot transactions and futures. BCI's banking units focus on consumer lending (BCI Nova) and e-banking (TBanc). It also owns non-banking subsidiaries that engage in factoring, stock and insurance brokerage, asset management, securitization, debt recovery and collection, financial consultancy, and information services. BCI was founded in 1937 and is headquartered in Santiago, Chile. Best Bank Mozambique 2012