NYSE : BSAC
Banco Santander-Chile — Financial statements
Financials · Banks - Regional · Chile
Last price 30.53 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 14.51B
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Financial statements
Income statement
Fiscal year January - December; amounts in CLP.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 3.80T | 4.09T | 4.40T | 4.09T | 1.62T | |
| Interest Paid on Deposits | 1.81T | 2.31T | 3.31T | 2.52T | -193.11B | |
| Net Interest Income | 2.31T | 1.99T | 1.79T | 1.09T | 1.57T | 1.81T |
| Income From Trading Activities | -119.99B | -43.56B | 85.01B | 91.76B | 78.19B | -28.60B |
| Gain (Loss) on Sale of Assets | 8.04B | 7.24B | 4.05B | 13.15B | 8.52B | 2.30B |
| Gain (Loss) on Sale of Investments | 914.00M | 2.94B | -37.07B | -120.93B | -1.63B | 22.20B |
| Gain (Loss) on Sale of Equity Investments | 2.43B | 9.29B | 10.44B | 8.76B | 10.31B | -475.00M |
| Other Non-Interest Income | 743.65B | 899.03B | 757.58B | 838.03B | 553.28B | 460.24B |
| Total Non-Interest Income | 635.03B | 874.94B | 820.01B | 830.77B | 648.67B | 455.66B |
| Revenues Before Loan Losses | 2.95T | 2.86T | 2.61T | 1.92T | 2.22T | 2.27T |
| Provision for Loan Losses | 587.55B | 575.31B | 504.59B | 322.79B | 356.49B | 291.23B |
| Revenue | 2.36T | 2.29T | 2.10T | 1.60T | 1.86T | 1.98T |
| Salaries and Employee Benefits | 104.91B | 412.90B | 398.82B | 412.27B | 415.98B | 397.99B |
| Occupancy Expenses | 34.01B | 135.16B | 141.44B | 143.76B | 129.99B | 122.06B |
| Selling, General & Administrative | 787.39B | 385.15B | 362.63B | 317.92B | 306.94B | 277.92B |
| Other Non-Interest Expense | 59.35B | 69.22B | 74.83B | 20.68B | 107.20B | 102.83B |
| Total Non-Interest Expense | 985.66B | 1.00T | 977.71B | 894.63B | 960.12B | 900.80B |
| EBT Excluding Unusual Items | 1.37T | 1.28T | 1.12T | 706.40B | 902.17B | 1.07T |
| Asset Writedown | -823.00M | -3.75B | -1.29B | -1.91B | ||
| Legal Settlements | -279.00M | -773.00M | -555.00M | 1.08B | -1.21B | -493.00M |
| Pretax Income | 1.36T | 1.25T | 1.08T | 691.38B | 901.11B | 1.07T |
| Income Tax Expense | 212.89B | 207.36B | 219.75B | 97.55B | 93.62B | 221.66B |
| Earnings From Continuing Operations | 1.14T | 1.04T | 859.85B | 593.84B | 807.48B | 852.43B |
| Minority Interest in Earnings | -28.33B | -16.40B | -6.89B | -14.41B | -15.21B | -9.96B |
| Net Income | 1.12T | 1.02T | 852.96B | 579.43B | 792.28B | 842.47B |
| Net Income to Common | 1.12T | 1.02T | 852.96B | 579.43B | 792.28B | 842.47B |
| Basic Shares Outstanding | 188.45B | 188.45B | 188.45B | 188.45B | 188.45B | 188.45B |
| Diluted Shares Outstanding | 188.45B | 188.45B | 188.45B | 188.45B | 188.45B | 188.45B |
| EPS (Basic) | 5.93 | 5.42 | 4.53 | 3.07 | 4.20 | 4.47 |
| EPS (Diluted) | 5.93 | 5.42 | 4.53 | 3.07 | 4.20 | 4.47 |
| Dividend Per Share | 3.35 | 3.35 | 3.19 | 1.84 | 2.58 | 2.47 |
| Effective Tax Rate | 15.68% | 16.65% | 20.35% | 14.11% | 10.39% | 20.64% |
Balance sheet
Fiscal year January - December; amounts in CLP.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 2.03T | 2.60T | 2.17T | 2.88T | 2.38T | 2.60T |
| Investment Securities | 11.04T | 9.62T | 8.08T | 12.77T | 10.79T | 10.53T |
| Trading Asset Securities | 15.97T | 11.98T | 13.64T | 10.98T | 12.30T | 10.41T |
| Total Investments | 27.01T | 21.60T | 21.72T | 23.75T | 23.10T | 20.95T |
| Gross Loans | 41.42T | 41.31T | 41.42T | 40.95T | 38.87T | 36.67T |
| Allowance for Loan Losses | -1.23T | -1.19T | -1.15T | -1.04T | -1.05T | |
| Net Loans | 41.42T | 40.09T | 40.22T | 39.80T | 37.84T | 35.62T |
| Property, Plant & Equipment | 272.44B | 312.64B | 352.27B | 371.89B | 374.82B | |
| Other Intangible Assets | 91.47B | 88.67B | 97.55B | 107.79B | 95.41B | |
| Other Receivables | 114.56B | 225.07B | 255.51B | 315.00M | 252.42B | |
| Restricted Cash | 563.89B | 1.10T | 654.88B | 444.49B | 673.40B | |
| Other Current Assets | 2.15T | 1.97T | 2.43T | 2.33T | ||
| Long-Term Deferred Tax Assets | 387.70B | 361.26B | 428.55B | 314.12B | 710.90B | |
| Other Real Estate Owned & Foreclosed | 77.87B | 63.57B | 37.24B | 27.41B | ||
| Other Long-Term Assets | 7.68T | 208.38B | 177.01B | 174.84B | 3.61T | 211.91B |
| Total Assets | 78.14T | 68.15T | 68.40T | 70.86T | 68.16T | 63.84T |
| Accounts Payable | 449.23B | 323.01B | 312.88B | 405.88B | 445.49B | |
| Accrued Expenses | 82.73B | 80.61B | 44.86B | 36.81B | 121.56B | |
| Interest Bearing Deposits | 33.31T | 18.90T | 19.46T | 16.14T | 13.99T | 11.90T |
| Non-Interest Bearing Deposits | 11.67T | 11.90T | 11.87T | 11.71T | 14.39T | |
| Total Deposits | 33.31T | 30.57T | 31.36T | 28.01T | 25.70T | 26.29T |
| Short-Term Borrowings | 15.63T | 14.34T | 13.45T | 12.36T | 14.51T | 11.12T |
| Current Portion of Long-Term Debt | 5.08T | 5.97T | 11.72T | 4.29T | ||
| Current Portion of Leases | 6.63B | 12.69B | 20.72B | 23.39B | ||
| Current Income Taxes Payable | 83.08B | 48.55B | 163.88B | 112.48B | ||
| Other Current Liabilities | 1.34T | 753.29B | 2.91T | 2.13T | 2.62T | |
| Long-Term Debt | 9.65T | 7.97T | 8.37T | 9.05T | 18.35T | 12.84T |
| Long-Term Leases | 34.02B | 54.20B | 83.80B | 137.09B | 116.40B | |
| Long-Term Unearned Revenue | 6.47B | 3.12B | 2.68B | 6.35B | 6.63B | |
| Long-Term Deferred Tax Liabilities | 1.78B | 676.00M | 3.55B | 1.00M | 427.65B | |
| Other Long-Term Liabilities | 14.44T | 2.45T | 2.62T | 1.69T | 2.53T | 1.11T |
| Total Liabilities | 73.03T | 62.41T | 63.04T | 66.37T | 63.93T | 59.41T |
| Common Stock | 4.94T | 891.30B | 891.30B | 891.30B | 891.30B | 891.30B |
| Retained Earnings | 661.60B | 499.17B | 365.86B | 589.48B | 647.07B | |
| Comprehensive Income & Other | 4.06T | 3.86T | 3.11T | 2.65T | 2.79T | |
| Total Common Equity | 4.94T | 5.62T | 5.25T | 4.37T | 4.13T | 4.33T |
| Minority Interest | 171.64B | 119.94B | 104.39B | 124.73B | 109.56B | 94.36B |
| Shareholders' Equity | 5.11T | 5.74T | 5.36T | 4.49T | 4.24T | 4.43T |
| Total Liabilities & Equity | 78.14T | 68.15T | 68.40T | 70.86T | 68.16T | 63.84T |
| Total Debt | 25.27T | 27.43T | 27.86T | 33.23T | 33.00T | 28.39T |
| Net Cash (Debt) | -7.28T | -12.43T | -11.90T | -19.37T | -18.31T | -15.38T |
| Net Cash Per Share | -38.62 | -65.95 | -63.13 | -102.79 | -97.18 | -81.60 |
| Filing Date Shares Outstanding | 188.45B | 188.45B | 188.45B | 188.45B | 188.45B | 188.45B |
| Total Common Shares Outstanding | 188.45B | 188.45B | 188.45B | 188.45B | 188.45B | 188.45B |
| Book Value Per Share | 26.23 | 29.80 | 27.88 | 23.17 | 21.91 | 22.99 |
| Tangible Book Value | 4.94T | 5.52T | 5.17T | 4.27T | 4.02T | 4.24T |
| Tangible Book Value Per Share | 26.23 | 29.32 | 27.41 | 22.66 | 21.34 | 22.49 |
Cash flow statement
Fiscal year January - December; amounts in CLP.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 1.02T | 852.96B | 579.43B | 792.28B | 842.47B | |
| Depreciation & Amortization | 87.30B | 88.45B | 90.37B | 87.62B | 89.80B | |
| Other Amortization | 47.85B | 52.98B | 53.39B | 42.38B | 32.25B | |
| Gain (Loss) on Sale of Assets | -19.21B | -9.12B | -13.73B | -10.76B | -6.15B | |
| Gain (Loss) on Sale of Investments | -820.00M | -47.27B | -125.61B | -20.17B | -18.03B | |
| Total Asset Writedown | 3.75B | 1.29B | 1.91B | |||
| Provision for Credit Losses | 770.71B | 658.63B | 429.00B | 447.81B | 368.43B | |
| Change in Other Net Operating Assets | 335.76B | -1.94T | -1.28T | -1.86T | -4.74T | |
| Other Operating Activities | -1.35T | -1.01T | -875.82B | -2.73B | 250.10B | |
| Operating Cash Flow | 884.39B | -1.36T | -1.15T | -533.06B | -3.19T | |
| Capital Expenditures | -84.66B | -63.16B | -74.43B | -58.39B | -57.99B | |
| Sale of Property, Plant and Equipment | 32.58B | 1.14B | 1.64B | 18.69B | 2.50B | |
| Income (Loss) Equity Investments | -9.29B | -8.53B | -8.76B | -10.31B | -2.38B | |
| Purchase / Sale of Intangibles | -52.87B | -44.56B | -45.07B | -54.90B | -28.77B | |
| Investing Cash Flow | -104.94B | -106.58B | -117.85B | -94.60B | -84.27B | |
| Long-Term Debt Issued | 102.48B | 595.17B | ||||
| Long-Term Debt Repaid | -20.76B | -25.36B | -30.10B | -21.83B | -46.05B | |
| Lease Payments | -20.76B | -25.36B | -30.10B | -21.83B | -46.05B | |
| Net Debt Issued (Repaid) | -20.76B | -25.36B | -30.10B | 80.65B | 549.13B | |
| Common Dividends Paid | -600.34B | -347.48B | -485.19B | -464.98B | -310.47B | |
| Net Increase (Decrease) in Deposit Accounts | -828.98B | 1.84T | 2.46T | 174.07B | 2.59T | |
| Financing Cash Flow | -1.45T | 1.47T | 1.95T | -210.25B | 2.83T | |
| Foreign Exchange Rate Adjustments | -7.30B | 7.32B | -1.78B | 25.90B | 437.56B | |
| Net Cash Flow | -677.94B | 10.28B | 680.84B | -812.01B | -2.73B | |
| Free Cash Flow | 799.73B | -1.43T | -1.22T | -591.45B | -3.24T | |
| Free Cash Flow Margin | 34.98% | -67.79% | -76.24% | -31.76% | -164.27% | |
| Free Cash Flow Per Share | 4.24 | -7.56 | -6.48 | -3.14 | -17.22 | |
| Free Cash Flow After Leases | 778.97B | -1.45T | -1.25T | -613.28B | -3.29T | |
| Cash Interest Paid | 3.19T | 4.08T | 4.14T | 2.52T | 1.11T |
Ratios
Fiscal year January - December; amounts in CLP.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 15.10B | 14.87B | 8.97B | 9.24B | 7.53B | 7.58B |
| Last Close Price | 30.53 | 30.05 | 17.49 | 17.52 | 13.52 | 13.37 |
| PE Ratio | 13.32 | 13.12 | 10.45 | 13.98 | 8.07 | 7.66 |
| PS Ratio | 5.98 | 5.86 | 4.24 | 5.06 | 3.44 | 3.27 |
| PB Ratio | 2.76 | 2.34 | 1.66 | 1.80 | 1.51 | 1.46 |
| P/FCF Ratio | 16.75 | |||||
| P/OCF Ratio | 15.15 | |||||
| Debt / Equity Ratio | 4.94 | 4.78 | 5.20 | 7.40 | 7.79 | 6.41 |
| Debt / FCF Ratio | 34.30 | |||||
| Net Debt / Equity Ratio | 1.42 | 2.17 | 2.22 | 4.31 | 4.32 | 3.47 |
| Net Debt / FCF Ratio | 15.54 | -8.35 | -15.87 | -30.96 | -4.74 | |
| Return on Equity (ROE) | 23.31% | 18.71% | 17.46% | 13.60% | 18.64% | 20.96% |
| Return on Assets (ROA) | 1.56% | 1.52% | 1.23% | 0.85% | 1.22% | 1.43% |
| Earnings Yield | 7.51% | 7.62% | 9.57% | 7.15% | 12.38% | 13.05% |
| FCF Yield | -4.07% | 5.97% | -15.99% | -15.06% | -9.25% | -50.28% |
| Dividend Yield | 3.45% | 4.72% | 6.73% | 4.29% | 7.58% | 7.20% |
| Payout Ratio | 45.73% | 58.76% | 40.74% | 83.74% | 58.69% | 36.85% |
| Total Shareholder Return | 3.60% | 4.72% | 6.73% | 4.29% | 7.58% | 7.20% |