Banco Santander-Chile Balance Sheet

Financials in millions CLP. Fiscal year is January - December.

Millions CLP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	1,975,644	2,167,640	2,880,923	2,382,267	2,598,433
Investment Securities	9,838,236	8,077,483	12,769,023	10,794,910	10,531,521
Trading Asset Securities	11,140,969	13,638,312	10,983,693	12,304,768	10,414,933
Total Investments	20,979,205	21,715,795	23,752,716	23,099,678	20,946,454
Gross Loans	39,883,259	41,418,510	40,950,528	38,872,033	36,673,565
Allowance for Loan Losses	-	-1,215,487	-1,154,228	-1,036,887	-1,051,702
Net Loans	39,883,259	40,203,023	39,796,300	37,835,146	35,621,863
Property, Plant & Equipment	-	312,638	352,272	371,890	374,818
Other Intangible Assets	-	88,669	97,551	107,789	95,411
Other Receivables	-	225,075	255,506	315	252,417
Restricted Cash	-	1,100,472	654,883	444,491	673,396
Other Current Assets	-	1,961,718	2,427,102	-	2,328,934
Long-Term Deferred Tax Assets	-	459,977	428,549	314,125	710,896
Other Real Estate Owned & Foreclosed	-	46,917	37,244	-	27,414
Other Long-Term Assets	5,256,848	177,009	174,842	3,608,903	211,914
Total Assets	68,094,956	68,458,933	70,857,888	68,164,604	63,841,950
Accounts Payable	-	323,010	312,882	405,878	445,493
Accrued Expenses	-	28,140	44,861	36,814	121,559
Interest Bearing Deposits	30,569,373	17,098,625	16,137,942	13,988,928	11,904,288
Non-Interest Bearing Deposits	-	12,779,178	11,868,336	11,711,969	14,385,633
Total Deposits	30,569,373	29,877,803	28,006,278	25,700,897	26,289,921
Short-Term Borrowings	11,500,023	13,451,349	12,357,927	14,509,194	11,116,625
Current Portion of Long-Term Debt	-	5,966,890	11,720,515	-	4,293,205
Current Portion of Leases	-	12,685	20,716	-	23,391
Current Income Taxes Payable	-	48,548	163,878	112,481	-
Other Current Liabilities	-	2,806,909	2,907,779	2,132,909	2,620,779
Long-Term Debt	10,277,061	9,063,608	9,051,468	18,354,774	12,840,212
Long-Term Leases	-	54,197	83,800	137,089	116,404
Long-Term Unearned Revenue	-	3,120	2,679	6,354	6,634
Long-Term Deferred Tax Liabilities	-	-	3,547	1	427,655
Other Long-Term Liabilities	10,908,860	2,425,840	1,689,665	2,529,841	1,112,499
Total Liabilities	63,255,317	64,062,099	66,365,995	63,926,232	59,414,377
Common Stock	4,719,697	891,303	891,303	891,303	891,303
Retained Earnings	-	275,806	365,858	589,482	647,065
Comprehensive Income & Other	-	3,125,331	3,109,997	2,648,023	2,794,845
Total Common Equity	4,719,697	4,292,440	4,367,158	4,128,808	4,333,213
Minority Interest	119,942	104,394	124,735	109,564	94,360
Shareholders' Equity	4,839,639	4,396,834	4,491,893	4,238,372	4,427,573
Total Liabilities & Equity	68,094,956	68,458,933	70,857,888	68,164,604	63,841,950
Total Debt	21,777,084	28,548,729	33,234,426	33,001,057	28,389,837
Net Cash (Debt)	-8,660,471	-12,589,690	-19,369,810	-18,314,022	-15,376,471
Net Cash Per Share	-45.96	-66.81	-102.79	-97.18	-81.60
Filing Date Shares Outstanding	188,446	188,446	188,446	188,446	188,446
Total Common Shares Outstanding	188,446	188,446	188,446	188,446	188,446
Book Value Per Share	25.05	22.78	23.17	21.91	22.99
Tangible Book Value	4,719,697	4,203,771	4,269,607	4,021,019	4,237,802
Tangible Book Value Per Share	25.05	22.31	22.66	21.34	22.49

Source: S&P Global Market Intelligence. Banks template. Financial Sources.