Banco Santander-Chile (SNSE:BSANTANDER)

Banco Santander-Chile Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	3,421,690	3,620,583	3,872,573	4,086,656	1,617,797	1,707,515
Interest Paid on Deposits	1,704,529	2,115,842	3,130,089	2,516,544	-193,113	75,297
Net Interest Income	1,717,161	1,504,741	742,484	1,570,112	1,810,910	1,632,218
Net Interest Income Growth (YoY)	28.81%	102.66%	-52.71%	-13.30%	10.95%	15.19%
Income From Trading Activities	163,392	85,013	91,761	78,191	-28,602	43,246
Gain (Loss) on Sale of Assets	-5,643	-8,311	13,558	8,518	2,297	2,326
Gain (Loss) on Sale of Investments	5,669	-37,068	-120,934	-1,628	22,199	47,554
Gain (Loss) on Sale of Equity Investments	10,821	10,436	8,763	10,310	-475	1,388
Other Non-Interest Income	1,011,988	1,064,551	1,214,768	553,282	460,240	288,511
Total Non-Interest Income	1,186,227	1,114,621	1,207,916	648,673	455,659	383,025
Non-Interest Income Growth (YoY)	6.25%	-7.72%	86.21%	42.36%	18.96%	-22.44%
Revenues Before Loan Losses	2,903,388	2,619,362	1,950,400	2,218,785	2,266,569	2,015,243
Provision for Loan Losses	562,700	525,831	473,592	356,494	291,228	477,761
Revenue	2,340,688	2,093,531	1,476,808	1,862,291	1,975,341	1,537,482
Revenue Growth (YoY)	20.98%	41.76%	-20.70%	-5.72%	28.48%	-3.15%
Salaries and Employee Benefits	407,229	399,644	410,156	415,977	397,990	410,259
Occupancy Expenses	136,873	141,435	143,762	129,993	122,055	109,426
Selling, General & Administrative	391,492	361,804	320,040	306,941	277,921	246,642
Other Non-Interest Expense	69,517	74,830	20,677	107,205	102,835	68,557
Total Non-Interest Expense	1,005,111	977,713	894,635	960,116	900,801	834,884
EBT Excluding Unusual Items	1,335,577	1,115,818	582,173	902,175	1,074,540	702,598
Asset Writedown	-4,219	-1,295	-1,912	-	-	-638
Legal Settlements	-620	-555	1,081	-1,210	-493	-330
Other Unusual Items	-	-	-	-	-	-6,622
Pretax Income	1,295,023	1,074,320	567,155	901,106	1,074,092	695,263
Income Tax Expense	211,904	209,811	56,341	93,624	221,664	142,533
Earnings From Continuing Operations	1,083,119	864,509	510,814	807,482	852,428	552,730
Minority Interest in Earnings	-8,736	-6,886	-14,410	-15,206	-9,961	-5,116
Net Income	1,074,383	857,623	496,404	792,276	842,467	547,614
Net Income to Common	1,074,383	857,623	496,404	792,276	842,467	547,614
Net Income Growth	41.73%	72.77%	-37.34%	-5.96%	53.84%	-11.54%
Basic Shares Outstanding	188,446	188,446	188,446	188,446	188,446	188,446
Diluted Shares Outstanding	188,446	188,446	188,446	188,446	188,446	188,446
EPS (Basic)	5.70	4.55	2.63	4.20	4.47	2.91
EPS (Diluted)	5.70	4.55	2.63	4.20	4.47	2.91
EPS Growth	42.14%	73.00%	-37.44%	-5.96%	53.84%	-11.54%
Dividend Per Share	3.186	3.186	1.844	2.575	2.467	1.647
Dividend Growth	72.77%	72.77%	-28.39%	4.38%	49.79%	-6.31%
Effective Tax Rate	16.36%	19.53%	9.93%	10.39%	20.64%	20.50%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.