Santander Chile reports Q3 EPS $4.23

As of September 30, 2025, the Bank’s net income attributable to shareholders totaled $798 billion, $4.23 per share and $1.76 per ADR, representing a 37.3% increase YoY, with an ROAE of 24.0% in 9M25 compared to a ROAE of 18.2% in 9M245. The increase in results is explained by growth in the Bank’s main revenue lines. Operating income increased 14.8% YoY, driven by a better interest and readjustment margin and higher fees and results from financial transactions. Net interest income and readjustments accrued as of September 30, 2025, increased 16.6% compared to the same period in 2024. This increase in NII was due to higher net interest income due to the impact of a lower monetary policy rate on our funding cost, which fell from 4.8% to 3.8% in 9M25. As a result, the NIM improved from 3.4% in 9M24 to 4.0% in 9M25. CET1 ratio remains at a solid 10.8% at the end of September 2025, and the overall Basel III ratio stands at 16.7%. The Bank’s capital includes a dividend payout provision for 60% of 2025 earnings to date.