BSAC on NYSE

Banco Santander-Chile

Logo: Interbrand (Madrid office) [ 1 ], Public domain, via Wikimedia Commons⁴

Banco Santander-Chile is the largest bank in Chile by loans and deposits. The bank has 504 branches network.³ From Wikipedia, CC BY-SA 4.0

Price unavailable

Last updated Oct 16, 2026.

Overview

1.0TNet income, fiscal 2025⁵

1937Founded¹

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TickerBSAC on NYSE¹
Industryfinancial services¹
HeadquartersSantiago¹
Websitewww.santander.cl
Incorporated inChile⁶
Business addressBandera 140, Piso 19, Santiago, 8320000⁶
Filer categoryLarge accelerated filer⁶

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Banco Santander-Chile is the largest bank in Chile by loans and deposits. The bank has 504 branches network. It is a subsidiary of the Santander Group. Its main competitors are Banco de Chile, Itaú Corpbanca and BCI.³

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

18.1%Return on equity⁵

-$29.3BFree cash flow⁵

Financial statements

Operating income⁸⁹$1.1T in 2021+41% since 2018

Net income⁸⁹¹⁰⁵$1.0T in 2025+73% since 2018

Every line of the income statement in the latest annual report, as filed.⁵

Period ending	2025-12-31	2024-12-31	2023-12-31
Interest income and inflation	3.8T CLP	4.1T CLP	4.4T CLP
Interest expense and inflation	-1.8T CLP	-2.3T CLP	-3.3T CLP
Net interest income	2.0T CLP	1.8T CLP	1.1T CLP
Fee and commission income	1.0T CLP	960.2B CLP	848.5B CLP
Fee and commission expense	-444.8B CLP	-413.1B CLP	-345.9B CLP
Net fee and commission income	595.8B CLP	547.1B CLP	502.6B CLP
Net income/(expense) from financial assets and liabilities for trading	-43.6B CLP	85.0B CLP	91.8B CLP
Net income from derecognising financial assets and liabilities at amortised cost and financial assets at fair value through other comprehensive income	2.9B CLP	-37.1B CLP	-120.9B CLP
Net income from exchange, adjustment and hedge accounting of foreign exchange	296.4B CLP	202.6B CLP	331.6B CLP
Net income from financial operations	255.8B CLP	250.5B CLP	302.5B CLP
Income from investments in associates and other companies	9.3B CLP	10.4B CLP	8.8B CLP
Net income from non-current assets and groups available for sale not admissible as discontinued operations	7.2B CLP	4.0B CLP	13.2B CLP
Other operating income	7.0B CLP	8.0B CLP	3.8B CLP
TOTAL OPERATING INCOME	2.9T CLP	2.6T CLP	1.9T CLP
Personnel salaries and expenses	-412.9B CLP	-398.8B CLP	-412.3B CLP
Administrative expenses	-387.6B CLP	-366.4B CLP	-320.1B CLP
Depreciation and amortisation	-135.2B CLP	-141.4B CLP	-143.8B CLP
Impairment of non-financial assets	-3.7B CLP	-1.3B CLP	-1.9B CLP
Other operating expenses	-101.7B CLP	-114.7B CLP	-31.6B CLP
TOTAL OPERATING EXPENSES	-1.0T CLP	-1.0T CLP	-909.7B CLP
NET OPERATING INCOME BEFORE CREDIT LOSSES	1.8T CLP	1.6T CLP	1.0T CLP
Provisions for loan losses for interbank loans and account receivable from customers	-750.5B CLP	-660.8B CLP	-453.5B CLP
Provisions for loan losses for contingent loans and others	-13.5B CLP	2.9B CLP	24.4B CLP
Recovery of loans previously charged-off	192.6B CLP	153.9B CLP	107.1B CLP
Provision for loan losses for other financial assets at amortised cost and financial assets at fair value through OCI	-4.0B CLP	-622.0M CLP	-759.0M CLP
Provision for loan losses	-575.3B CLP	-504.6B CLP	-322.8B CLP
NET OPERATING INCOME BEFORE INCOME TAX	1.2T CLP	1.1T CLP	691.4B CLP
Income tax expense	-207.4B CLP	-219.7B CLP	-97.5B CLP
Result of continuing operations	1.0T CLP	859.9B CLP	593.8B CLP
Result of discontinued operations	0 CLP	0 CLP	0 CLP
NET INCOME FOR THE YEAR	1.0T CLP	859.9B CLP	593.8B CLP
Shareholders of the Bank	1.0T CLP	853.0B CLP	579.4B CLP
Non-controlling interest	16.4B CLP	6.9B CLP	14.4B CLP
Basic earnings (in Pesos per share)	5.42 CLP	4.53 CLP	3.08 CLP
Diluted earnings (in Pesos per share)	5.42 CLP	4.53 CLP	3.08 CLP
Basic earnings (in Pesos per share)	5.42 CLP	4.53 CLP	3.08 CLP
Diluted earnings (in Pesos per share)	5.42 CLP	4.53 CLP	3.08 CLP

Total assets¹¹⁸⁹¹⁰¹²¹³⁵$68.1T in 2025+74% since 2018

Total liabilities¹¹⁸¹⁰¹²¹³⁵$62.4T in 2025+74% since 2018

Shareholders’ equity⁹¹⁰¹²¹³⁵$5.7T in 2025+77% since 2018

Cash⁹¹⁰¹²¹³⁵$2.1T in 2025−7% since 2018

Every line of the balance sheet in the latest annual report, as filed.⁵

Period ending	2025-12-31	2024-12-31	2023-12-31
Cash and deposits in banks	2.0T CLP	2.7T CLP
Cash items in process of collection	1.2T CLP	572.6B CLP
Financial assets for trading at fair value through profit and loss	11.6T CLP	12.6T CLP
Financial derivative contracts	10.9T CLP	12.3T CLP
Debt financial instruments	714.6B CLP	329.3B CLP
Financial assets at fair value through other comprehensive income	3.9T CLP	2.8T CLP
Debt financial instrument	3.6T CLP	2.7T CLP
Other financial instruments	291.6B CLP	74.9B CLP
Financial derivative contracts for hedge accounting	261.2B CLP	843.6B CLP
Financial assets at amortised cost	45.7T CLP	45.5T CLP
Rights under repurchase agreements	428.0B CLP	153.1B CLP
Debt financial instruments	5.5T CLP	5.2T CLP
Interbank loans	68.2B CLP	31.3B CLP
Loans and account receivable from customers	39.6T CLP	40.1T CLP
Investments in associates and other companies	67.0B CLP	59.8B CLP	55.3B CLP
Intangible assets	91.5B CLP	88.7B CLP
Property, plant, and equipment	242.5B CLP	251.8B CLP	251.8B CLP
Right of use assets	29.9B CLP	60.8B CLP	100.4B CLP
Current taxes	113.0M CLP	60.0M CLP
Deferred taxes	387.7B CLP	361.3B CLP
Other assets	2.6T CLP	2.5T CLP
Non-current assets and disposal groups for sale	114.0B CLP	71.6B CLP
TOTAL ASSETS	68.1T CLP	68.4T CLP
Cash items in process of being cleared	1.1T CLP	497.1B CLP
Financial liabilities for trading at fair value through profit and loss	10.6T CLP	12.2T CLP
Financial derivative contracts	10.6T CLP	12.2T CLP
Financial derivative contracts for accounting hedges	912.7B CLP	898.4B CLP
Financial liabilities at amortised cost	44.7T CLP	44.3T CLP
Deposits and other demand liabilities	14.1T CLP	14.3T CLP
Time deposits and other time liabilities	16.5T CLP	17.1T CLP
Obligations under repurchase agreements	2.8T CLP	276.6B CLP
Interbank borrowings	3.4T CLP	4.3T CLP
Issued debt instruments	7.7T CLP	8.1T CLP
Other financial liabilities	224.3B CLP	200.5B CLP
Lease liabilities	40.6B CLP	66.9B CLP
Regulatory capital financial instruments	1.9T CLP	1.9T CLP
Provisions	838.4B CLP	746.5B CLP	284.0B CLP
Current taxes	83.1B CLP	48.5B CLP
Deferred taxes	1.8B CLP	676.0M CLP
Other liabilities	2.2T CLP	2.4T CLP
TOTAL LIABILITIES	62.4T CLP	63.0T CLP
Attributable to the shareholders of the Bank:	5.6T CLP	5.3T CLP
Capital	891.3B CLP	891.3B CLP
Reserves	3.5T CLP	3.3T CLP
Valuation adjustments	-71.2B CLP	-107.2B CLP
Others equity instruments issued other than capital	629.5B CLP	693.4B CLP
Retained earnings	661.6B CLP	499.2B CLP
Retained earnings from prior years	271.9B CLP	246.5B CLP
Income for the year	1.0T CLP	853.0B CLP
Minus: Provision for mandatory dividends	-631.9B CLP	-600.3B CLP
Non-controlling interest	119.9B CLP	104.4B CLP	124.7B CLP
TOTAL EQUITY	5.7T CLP	5.4T CLP	5.3T CLP
TOTAL LIABILITIES AND EQUITY	68.1T CLP	68.4T CLP

Cash from operations⁸⁹¹⁰¹²¹³⁵$55.4B in 2025−95% since 2018

Capital spending⁸⁹¹⁰¹²¹³⁵$84.7B in 2025+24% since 2018

Free cash flow⁸⁹¹⁰¹²¹³⁵-$29.3B in 2025

Every line of the cash flow in the latest annual report, as filed.⁵

Period ending	2025-12-31	2024-12-31	2023-12-31
NET INCOME FOR THE YEAR	1.0T CLP	859.9B CLP	593.8B CLP
Adjustments for non-cash items included in net income	-1.8T CLP	-1.6T CLP	-1.3T CLP
Depreciation and amortization	135.2B CLP	141.4B CLP	143.8B CLP
Impairment of property, plant, and equipment	3.7B CLP	1.3B CLP	1.9B CLP
Provision for loan losses	768.0B CLP	658.5B CLP	429.9B CLP
Mark to market of trading investments	-820.0M CLP	-45.4B CLP	-125.6B CLP
Income from investments in associates and other companies	-9.3B CLP	-8.5B CLP	-8.8B CLP
Net gain on sale of assets received in lieu of payment	-9.1B CLP	-4.0B CLP	-8.5B CLP
Provision on assets received in lieu of payment	2.8B CLP	95.0M CLP	-858.0M CLP
Net sale on sale of investment in associates and other companies	0 CLP	-1.9B CLP	0 CLP
Net gain on sale of property, plant and equipment	-10.1B CLP	-5.1B CLP	-5.3B CLP
Net interest income	-2.0T CLP	-1.8T CLP	-1.1T CLP
Net fee and commission income	-595.8B CLP	-547.1B CLP	-502.6B CLP
Changes in deferred taxes	-38.8B CLP	12.7B CLP	-131.2B CLP
Other non-cash items	-87.3B CLP	11.7B CLP	-6.6B CLP
Increase/decrease in operating assets and liabilities	845.7B CLP	1.2T CLP	2.0T CLP
(Increase)/decrease of loans and accounts receivables from customers, net	427.9B CLP	-549.1B CLP	-2.0T CLP
(Increase)/decrease of financial investments	-1.6T CLP	4.6T CLP	-1.9T CLP
Decrease/ (increase) of interbank loans	-36.8B CLP	37.1B CLP	-35.4B CLP
Decrease/(increase) of assets received or awarded in lieu of payment	-20.4B CLP	-21.1B CLP	-5.7B CLP
Increase/(decrease) of debits in customers checking accounts	-224.1B CLP	883.7B CLP	-697.2B CLP
(Decrease)/increase of time deposits and other time liabilities	-604.8B CLP	960.7B CLP	3.2T CLP
(Decrease)/increase of obligations with domestic banks	-22.3B CLP	6.1B CLP	4.9B CLP
Increase/(decrease) of other demand liabilities or time obligations	50.7B CLP	61.3B CLP	-162.3B CLP
Increase/(decrease) of obligations with foreign banks	-881.5B CLP	14.2B CLP	1.0T CLP
Increase/(decrease) of obligations with Central Bank of Chile	0 CLP	-6.0T CLP	464.8B CLP
(Decrease)/increase of obligations under repurchase agreements	2.5T CLP	-6.0B CLP	-32.8B CLP
(Decrease)/increase in other financial liabilities	23.8B CLP	-95.7B CLP	3.3B CLP
(Decrease)/increase of other assets and liabilities	413.4B CLP	609.9B CLP	940.6B CLP
Redemption of letters of credit	-166.0M CLP	-1.0B CLP	-2.6B CLP
Senior bond issuances	2.2T CLP	692.0B CLP	775.2B CLP
Redemption of senior bonds and payments of interest	-2.6T CLP	-1.2T CLP	-266.8B CLP
Redemption of mortgage bonds and payments of interest	-10.4B CLP	-8.6B CLP	-7.5B CLP
Redemption of perpetual bond and payments of interest	-30.6B CLP	-30.8B CLP	-28.2B CLP
Payment of interest on lease obligations	-30.8B CLP	-7.6B CLP	-3.6B CLP
Interest received	4.2T CLP	5.0T CLP	4.7T CLP
Interest paid	-3.2T CLP	-4.1T CLP	-4.1T CLP
Dividends received from investments in other companies	3.4B CLP	966.0M CLP	2.9B CLP
Fees and commissions received	760.8B CLP	692.0B CLP	621.3B CLP
Fees and commissions paid	-444.8B CLP	-278.9B CLP	-304.8B CLP
Total cash flow (used in) provided by operating activities	55.4B CLP	482.4B CLP	1.3T CLP
Purchases of property, plant, and equipment	-84.7B CLP	-63.2B CLP	-74.4B CLP
Sales of property, plant, and equipment	32.6B CLP	1.1B CLP	1.6B CLP
Purchases of intangible assets	-52.9B CLP	-44.6B CLP	-45.1B CLP
Total cash flow used in investment activities	-104.9B CLP	-106.6B CLP	-117.8B CLP
Dividends paid	-600.3B CLP	-347.5B CLP	-485.2B CLP
Placement of subordinated bond	0 CLP	0 CLP	0 CLP
Lease obligations paid	-20.8B CLP	-25.4B CLP	-30.1B CLP
Total cash flow used in financing activities	-621.1B CLP	-372.8B CLP	-515.3B CLP
D NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS DURING THE YEAR	-670.6B CLP	3.0B CLP	682.6B CLP
E EFFECTS OF FOREIGN EXCHANGE RATE FLUCTUATIONS	-7.3B CLP	7.3B CLP	-1.8B CLP
Provision for loan losses for cash flow purposes	-768.0B CLP	-658.5B CLP	-429.9B CLP
Recovery of loans previously charged off	192.6B CLP	153.9B CLP	107.1B CLP
Provision for loan losses net	-575.3B CLP	-504.6B CLP	-322.8B CLP
Cash Flow	-1.1T CLP
Fair Value Changes	0 CLP
Foreign currency exchange	249.1B CLP
UF Inflation effect	-191.0B CLP
Others	0 CLP

Compare Banco Santander-Chile with another company

Products and brands

financial services

Listed on Wikidata.¹

Subsidiaries and ownership

Parent company

Santander Group

Also owns

LATAM Airlines Group 7%

From Wikidata.¹

Former names

BANK SANTIAGOJan 31, 2002 to Jul 25, 2002⁶

Timeline

1937Founded Founded¹

Recent filings

Oct 13, 20266-K
Sep 23, 20266-K
Sep 10, 20266-K
Sep 10, 20266-K
Sep 10, 20266-K
Aug 20, 20266-K
Aug 20, 20266-K
Aug 12, 20266-K
Aug 12, 20266-K
Aug 11, 20266-K
Jul 29, 20266-K
Jul 10, 20266-K
Jul 8, 20266-K
Jun 24, 20266-K
Jun 12, 20266-K

Every filing from the last three years, summarized. The full record is on SEC EDGAR.²

Sources

The numbers on this page point here. Each one links to the record it came from.

1
WikidataBanco Santander-Chile on Wikidata
2
SEC EDGARBanco Santander-Chile filings on SEC EDGAR
3
WikipediaBanco Santander-Chile on Wikipedia
4
Wikimedia CommonsBanco Santander-Chile logo by Interbrand (Madrid office) [ 1 ], Public domain
5
SEC EDGARBanco Santander-Chile 10-K for fiscal 2025
6
SEC EDGARBanco Santander-Chile filings on SEC EDGAR
7
Wikimedia CommonsBanco Santander-Chile photo by Carlos Figueroa Rojas, CC BY-SA 4.0
8
SEC EDGARBanco Santander-Chile 10-K for fiscal 2018
9
SEC EDGARBanco Santander-Chile 10-K for fiscal 2019
10
SEC EDGARBanco Santander-Chile 10-K for fiscal 2020
11
SEC EDGARBanco Santander-Chile 10-K for fiscal 2018
12
SEC EDGARBanco Santander-Chile 10-K for fiscal 2022
13
SEC EDGARBanco Santander-Chile 10-K for fiscal 2023