Who Are the Core Customers of Quinenco Company?

Banco de Chile serves over 2.3 million active digital customers and held roughly 25% market share of total loans in early 2026, making Chilean retail and corporate banking the primary Quinenco core customers for deposit, credit, payments, and treasury services.

Through its stake in Hapag – Lloyd and investment exposure to Nexans, Quinenco targets international freight forwarders, carriers, and utility/telecom infrastructure providers needing high – capacity shipping and electrification solutions across global supply chains.

Quinenco serves a mixed base: institutional and retail banking customers, B2B industrial and logistics clients, plus B2C end consumers for beverages and packaged goods in Chile, Argentina, and Uruguay. This mix drives diversified revenue exposure across sectors.

Banco de Chile remains the most commercially important segment in 2025/2026, underpinning Quinenco investors and clients with stable interest income and fee revenue; its scale (over 2.3 million digital users and ~25% loan share) drives group valuation and capital allocation priorities. Read more on ownership and leadership Leadership and Ownership of Quinenco Company.

Quinenco core customers are concentrated in Chile, where banking, insurance, and consumer goods demand drives revenue; banking and wealth-management services account for the largest domestic profit share, with credit flows rising as the Chilean economy stabilizes in 2025.

Quinenco target customers also include global B2B buyers in the electrification supply chain-notably Nexans' high-voltage subsea cable buyers in North America and Europe-and shipping clients on Transpacific and Asia – Europe lanes, where freight demand remains robust despite normalized rates.

Quinenco appears strongest in financial services and distribution: banking and consumer goods subsidiaries supply stable fee and retail margins. In 2025, domestic financial services are the most resilient profit engine within Quinenco's customer segments.

Enex's U.S. travel centers are increasing non-fuel revenue share, signaling growing demand among Quinenco B2B customers for consolidated transport services; Nexans' subsea cable orders hit all-time highs in 2025 as North American and European renewable grid buildouts accelerate. See Product Growth of Quinenco Company for more detail: Product Growth of Quinenco Company

Quiñenco target customers expanded into international energy logistics and digital banking infrastructure in 2025-2026, using reinvested capital from the 2021-2023 shipping super-cycle (reported cash and equivalents at subsidiaries exceeded US$2.1 billion in 2025). This lets Quiñenco core customers include global B2B clients and institutional partners while preserving existing B2C retail reach in Chile and Latin America. See Mission, Vision, and Values of Quinenco Company for context.

Quiñenco keeps retail and beverage end consumers and distribution partners engaged by maintaining operational excellence and steady dividends (holding-level dividend yield target near 4-5% in 2025 policy). Local market leadership-high single-digit market shares for key subsidiaries-anchors customer loyalty in Chile and wider Latin America.

Repeat demand comes from integrated distribution and banking services: cross-selling between consumer goods subsidiaries and the banking arm raises wallet share, while long-term contracts in energy logistics increased recurring revenue visibility by an estimated 15-20% for 2025. Ecosystem stickiness grows via supplier partnerships and retail network scale.

The primary growth lever is capital redeployment into electrification and sustainable shipping services: projected capex into these adjacencies rose to ~US$450 million for 2025-2026, hedging regional volatility and attracting Quinenco investors and clients seeking ESG-aligned industrial exposure. This preserves Quinenco core customers while bringing in corporate and institutional investors.