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Banco Santander Chile
(NYSE:BSAC)
Banco Santander Chile (BSAC) vs. SPDR S&P 500 ETF (SPY)
Banco Santander Chile Business Overview & Revenue Model
Banco Santander Chile Earnings Call Summary
Banco Santander Chile Financial Statement Overview
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.30T | 4.90T | 1.48T | 1.86T | 1.98T | 1.54T |
| Gross Profit | 1.91T | 2.09T | 1.59T | 1.85T | 1.97T | 1.56T |
| EBITDA | 1.03T | 1.22T | 835.15B | 1.02T | 1.20T | 761.72B |
| Net Income | 1.07T | 852.96B | 579.43B | 792.28B | 842.47B | 547.61B |
Balance Sheet | ||||||
| Total Assets | 68.24T | 68.40T | 71.09T | 68.42T | 63.84T | 55.70T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 7.61T | 10.52T | 11.30T | 11.14T | 11.16T |
| Total Debt | 10.45T | 14.73T | 12.42T | 10.58T | 10.38T | 14.69T |
| Total Liabilities | 63.53T | 63.04T | 65.77T | 63.46T | 59.41T | 52.00T |
| Stockholders Equity | 4.59T | 5.25T | 5.22T | 4.85T | 4.33T | 3.62T |
Cash Flow | ||||||
| Free Cash Flow | 906.58B | 374.67B | 1.19T | -472.28B | -673.95B | -905.78B |
| Operating Cash Flow | 983.27B | 482.39B | 1.32T | -358.99B | -587.18B | -819.99B |
| Investing Cash Flow | -63.06B | -106.58B | -100.08B | -94.60B | -84.27B | -70.11B |
| Financing Cash Flow | -1.01T | -372.85B | 2.95T | -384.32B | 2.83T | 102.09B |
Banco Santander Chile Technical Analysis
Banco Santander Chile Risk Analysis
Banco Santander Chile Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ― | $8.71B | 11.95 | 11.69% | 1.51% | 3.61% | 13.93% | |
| ― | $14.87B | 16.42 | 16.25% | 11.28% | -8.82% | 4.87% | |
| ― | $17.76B | 13.75 | 22.07% | 6.03% | -13.16% | -8.10% | |
| ― | $9.48B | 10.62 | 9.95% | 2.85% | 4.90% | 21.68% | |
| ― | $21.72B | 21.10 | 9.34% | 5.80% | 1.13% | -11.93% | |
| ― | $13.66B | 12.08 | 24.13% | 4.63% | 12.43% | 56.30% | |
| ― | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
Banco Santander Chile Corporate Events
Banco Santander Chile reported a robust financial performance for the nine months ending September 30, 2025, with a net income attributable to shareholders of $798 billion, marking a 37.3% year-over-year increase. The bank achieved a return on average equity (ROAE) of 24.0%, driven by growth in main revenue lines, improved net interest margin, and an expanding customer base. Despite a quarterly decrease in net income, the bank maintained strong operational efficiency and capital ratios, highlighting its solid market position and strategic focus on digital banking and customer expansion.
On October 28, 2025, Banco Santander-Chile announced the placement of dematerialized and bearer bonds in the local market. The bonds, registered under the Securities Registry of the CMF, are part of the Bank’s strategic financial operations, with a total amount of UF 1,000,000 maturing on April 1, 2040, and an average placement rate of 3.02%. This move is significant for the Bank’s financial positioning and offers potential implications for stakeholders in terms of investment opportunities and market confidence.
On October 27, 2025, Banco Santander-Chile announced the placement of dematerialized and bearer bonds in the local market, under the securities registry number 102016. The bond series T-23 BSTD230822, amounting to UF 300,000, is set to mature on February 1, 2031, with an average placement rate of 2.79%. This strategic move is likely to enhance the bank’s financial flexibility and strengthen its market position.
On October 21, 2025, Banco Santander-Chile announced the placement of dematerialized and bearer bonds in the local market. The bonds, identified as Series T-23 BSTD230822, amount to UF 400,000 and are set to mature on February 1, 2031, with an average placement rate of 2.79%. This strategic financial move is part of the bank’s efforts to strengthen its market presence and enhance its financial offerings, potentially impacting stakeholders by providing new investment opportunities.
On October 20, 2025, Banco Santander-Chile announced the successful placement of dematerialized and bearer bonds in the local market. The bonds, part of the Series T-21 BSTD210622, amounted to UF 530,000 and are set to mature on December 1, 2029, with an average placement rate of 2.68%. This move is part of the bank’s strategy to strengthen its financial position and enhance its offerings in the securities market, potentially impacting stakeholders by providing more investment opportunities.
On October 10, 2025, Banco Santander-Chile announced the placement of dematerialized and bearer bonds in the local market. The bonds, part of the T-23 BSTD230822 series, amounted to UF 200,000 and are set to mature on February 1, 2031, with an average placement rate of 2.73%. This move is part of the bank’s strategy to strengthen its financial offerings and maintain its competitive position in the Chilean financial market.
Banco Santander-Chile released its consolidated financial information for the period ending September 30, 2025. The report highlights a net income of 809.42 million Chilean pesos, with total assets amounting to 68.24 billion Chilean pesos. The financial results reflect the bank’s strong operational performance, with significant net interest and fee income contributing to its profitability. The report indicates a robust financial position, which is crucial for maintaining its competitive edge in the Chilean banking sector.
On October 8, 2025, Banco Santander-Chile announced the placement of dematerialized and bearer bonds in the local market. The bonds, part of the Series T-23 BSTD230822, totaled UF 500,000 and are set to mature on February 1, 2031, with an average placement rate of 2.73%. This strategic move is expected to enhance the bank’s financial positioning and provide additional resources for its operations, potentially impacting stakeholders positively.
On October 7, 2025, Banco Santander-Chile successfully placed dematerialized and bearer bonds in the local market. The bond series T-23 BSTD230822, amounting to UF 150,000, is set to mature on February 1, 2031, with an average placement rate of 2.72%. This strategic move is expected to enhance the bank’s financial operations and strengthen its market position.
On October 1, 2025, Banco Santander-Chile announced the successful placement of dematerialized and bearer bonds in the local market. The bonds, part of the Series T-23 BSTD230822, amount to UF 550,000 and are set to mature on February 1, 2031, with an average placement rate of 2.74%. This strategic move is expected to strengthen the bank’s financial position and enhance its market presence, offering stakeholders potential benefits through improved capital resources.
On October 2, 2025, Banco Santander-Chile released its consolidated financial statements for the period ending June 30, 2025. This financial disclosure is part of the company’s compliance with the Securities Exchange Act of 1934, showcasing its commitment to transparency and regulatory adherence. The release of these financial statements provides stakeholders with crucial insights into the bank’s financial health and operational performance during the first half of the year.
Banco Santander-Chile released its consolidated financial information for the period ending August 31, 2025, highlighting a net income of 718,147 million Chilean pesos. The report indicates strong operational results with a total operating income of 1,923,365 million pesos, despite provisions for loan losses and support expenses. These financial results underscore the bank’s stable position in the market and its ability to generate significant income, benefiting stakeholders and reinforcing its industry standing.
Banco Santander Chile released its management commentary for the period ending June 30, 2025, as part of its regulatory compliance with the Securities Exchange Act of 1934. The commentary, signed by General Counsel Cristian Florence, provides insights into the company’s operations and financial performance up to the specified date, potentially impacting its market positioning and stakeholder relations.
Banco Santander Chile released its consolidated financial information for the period ending July 31, 2025, showcasing significant financial metrics. The bank reported a net income of 609,385 million Chilean pesos, with total assets amounting to 68,071,787 million Chilean pesos. These results reflect the bank’s robust financial position and its ability to maintain strong operational performance, which is crucial for its stakeholders and market positioning.
Banco Santander Chile reported a robust financial performance for the first half of 2025, with a notable increase in net income attributable to shareholders, reaching $550 billion, a 62.8% year-over-year growth. The bank achieved a return on average equity (ROAE) of 25.1% for the period, driven by increased operating income and a strong net interest margin. The bank’s customer base expanded by 11.5% year-over-year, with digital customers growing by 7.9%, reflecting the success of its digital strategy. The efficiency ratio improved to 35.3%, and the CET1 ratio rose to 10.9%, indicating strong capital adequacy. These results underscore the bank’s solid market positioning and operational efficiency.
On July 29, 2025, Banco Santander-Chile announced the resignation of director Rodrigo Echenique Gordillo. Subsequently, José Francisco Doncel Razola was appointed as his replacement, with his term starting from the Board of Directors’ meeting in September. This change in the board is a significant development for the bank’s governance structure, potentially impacting its strategic direction and stakeholder relations.