Banco Santander-Chile (BSAC) Financial Statements

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Banco Santander-Chile financial statements at a glance

Banco Santander-Chile reported revenue of 2.85 trillion CLP for fiscal year 2025 (ended December 31, 2025), up 9.9% from fiscal year 2024. Net income was 1.02 trillion CLP, a net margin of 35.8%, and diluted earnings per share were 2236.00 CLP.

At the end of fiscal year 2025 it had total assets of 68.15 trillion CLP, total liabilities of 62.41 trillion CLP and shareholders' equity of 5.62 trillion CLP, with cash of 5.24 trillion CLP and total debt of 13.12 trillion CLP.

Its operations brought in 55.41 billion CLP of cash; capital spending was 137.53 billion CLP, leaving free cash flow of -82.12 billion CLP.

The tables below show the income statement, balance sheet and cash flow statement; the key figures of the last 5 fiscal years are at the bottom of the page.

Figures from company filings, in CLP; latest fiscal year ended December 31, 2025.

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Banco Santander-Chile

BSACChile
Financial Services
CLP (Local)

Income Statement

Annual • CLP

Total Revenue
2.85T
Prev Year: 2.60T
YoY: +9.9%
Net Interest Income
1.99T
Prev Year: 1.79T
YoY: +11.2%
Interest Income
3.80T
Prev Year: 4.09T
YoY: -7.3%
Interest Expense
1.81T
Prev Year: 2.31T
YoY: -21.6%
Selling General and Administrative
773.77B
Prev Year: 769.49B
YoY: +0.6%
Selling and Marketing Expense
21.10B
Prev Year: 23.26B
YoY: -9.3%
General and Administrative Expense
752.67B
Prev Year: 746.23B
YoY: +0.9%
Other General and Administrative
314.91B
Prev Year: 284.96B
YoY: +10.5%
Insurance and Claims
5.48B
Prev Year: 37.15B
YoY: -85.2%
Rent and Landing Fees
17.58B
Prev Year: 23.51B
YoY: -25.2%
Salaries and Wages
414.70B
Prev Year: 400.61B
YoY: +3.5%
Operating Revenue
2.85T
Professional and Contract Services Expense
7.63B
Prev Year: 8.50B
YoY: -10.2%
Other Noninterest Expense
84.46B
Prev Year: 57.02B
YoY: +48.1%
Special Income Charges
-38.68B
Prev Year: -45.01B
YoY: +14.0%
Provision for Credit Losses
-
Prev Year: -504.59B
Restructuring and Mergers Acquisition
34.16B
Prev Year: 43.16B
YoY: -20.8%
Write-offs
3.75B
Prev Year: 1.29B
YoY: +189.3%
Pre-tax Income
1.25T
Prev Year: 1.08T
YoY: +15.4%
Non Interest Expense
-
Prev Year: 976.45B
Provision for Income Taxes
207.36B
Prev Year: 219.75B
YoY: -5.6%
Income from Associates and Other Participating Interests
-
Prev Year: 10.44B
Net Income Common Stockholders
1.02T
Prev Year: 852.96B
YoY: +19.8%
Net Income
1.02T
Prev Year: 852.96B
YoY: +19.8%
Loss on Extinguishment of Debt
-
Gain on Sale of Business
-
Net Income Including Non-Controlling Interests
1.04T
Prev Year: 859.85B
YoY: +20.7%
Net Income from Continuing Operations
1.04T
Prev Year: 859.85B
YoY: +20.7%
Noncontrolling Interests
-16.40B
Prev Year: -6.89B
YoY: -138.2%
Diluted NI Available to Com Stockholders
1.02T
Prev Year: 852.96B
YoY: +19.8%
Other Non-operating Income (expense)
-
Basic EPS
2.2K
Prev Year: 0
Diluted EPS
2.2K
Prev Year: 0
Weighted Average Shares (basic)
471.02M
Prev Year: 471.12M
YoY: -0.0%
Weighted Average Shares (diluted)
471.02M
Prev Year: 471.12M
YoY: -0.0%
Net Income from Continuing and Discontinued Operation
1.02T
Prev Year: 852.96B
YoY: +19.8%
Normalized Income
1.05T
Prev Year: 885.59B
YoY: +18.3%
Reconciled Depreciation
135.16B
Prev Year: 141.44B
YoY: -4.4%
Net Income from Continuing Operation Net Minority Interest
1.02T
Prev Year: 852.96B
YoY: +19.8%
Total Unusual Items Excluding Goodwill
-31.44B
Prev Year: -40.96B
YoY: +23.2%
Interest Income After Provision for Loan Loss
-
Prev Year: 1.28T
Total Unusual Items
-31.44B
Prev Year: -40.96B
YoY: +23.2%
Tax Rate for Calcs
0.167
Prev Year: 0
Tax Effect of Unusual Items
-5.23B
Prev Year: -8.33B
YoY: +37.2%
Total Money Market Investments
-
Prev Year: 4.49B
Rent Expense (supplemental)
17.58B
Prev Year: 23.51B
YoY: -25.2%
Other Special Charges
773.00M
Prev Year: 555.00M
YoY: +39.3%
Gain on Sale of Securities
266.61B
Prev Year: 848.35B
YoY: -68.6%
Depreciation Amortization Depletion
135.16B
Prev Year: 141.44B
YoY: -4.4%
Depreciation and amortization
135.16B
Prev Year: 141.44B
YoY: -4.4%
Amortization
47.85B
Prev Year: 52.98B
YoY: -9.7%
Amortization of Intangibles
47.85B
Prev Year: 52.98B
YoY: -9.7%
Depreciation
87.30B
Prev Year: 88.45B
YoY: -1.3%
Values in CLP

Banco Santander-Chile key figures by fiscal year

FY2025FY2024FY2023FY2022FY2021
Revenue2.9T CLP2.6T CLP1.9T CLP2.2T CLP2.3T CLP
Net income1.0T CLP853.0B CLP579.4B CLP792.3B CLP842.5B CLP
Diluted EPS2236.00 CLP0.00 CLP0.00 CLP0.00 CLP0.00 CLP
Total assets68.1T CLP68.4T CLP70.8T CLP68.4T CLP63.8T CLP
Total liabilities62.4T CLP63.0T CLP65.4T CLP63.5T CLP59.4T CLP
Shareholders' equity5.6T CLP5.3T CLP5.2T CLP4.9T CLP4.3T CLP
Cash5.2T CLP5.1T CLP5.8T CLP5.3T CLP5.3T CLP
Total debt13.1T CLP14.4T CLP14.2T CLP10.6T CLP10.3T CLP
Operating cash flow55.4B CLP482.4B CLP1.3T CLP-359.0B CLP-594.7B CLP
Capital spending137.5B CLP107.7B CLP119.5B CLP113.3B CLP86.8B CLP
Free cash flow-82.1B CLP374.7B CLP1.2T CLP-472.3B CLP-681.4B CLP

In CLP. Fiscal years as reported by the company; statements on this page go back to fiscal year 2014.

Questions and answers

What was Banco Santander-Chile's revenue in fiscal year 2025?

2.85 trillion CLP, up 9.9% from 2.60 trillion CLP in fiscal year 2024.

How much profit does Banco Santander-Chile make?

Banco Santander-Chile reported net income of 1.02 trillion CLP for fiscal year 2025 (35.8% of revenue).

How much cash and debt does Banco Santander-Chile have?

At the end of fiscal year 2025: cash of 5.24 trillion CLP and total debt of 13.12 trillion CLP.

What is Banco Santander-Chile's free cash flow?

-82.12 billion CLP in fiscal year 2025 (operating cash flow of 55.41 billion CLP minus capital spending of 137.53 billion CLP).

Disclaimer: This analysis is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Data may be incomplete, delayed, or contain inaccuracies. Consult with a qualified financial advisor before making any investment decisions.
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