Banco Santander-Chile (SNSE:BSANTANDER)

Banco Santander-Chile Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	3,789,896	3,795,609	4,094,817	4,403,991	4,086,656	1,617,797
Interest Paid on Deposits	1,769,543	1,808,926	2,308,031	3,310,942	2,516,544	-193,113
Net Interest Income	2,020,353	1,986,683	1,786,786	1,093,049	1,570,112	1,810,910
Net Interest Income Growth (YoY)	6.34%	11.19%	63.47%	-30.38%	-13.30%	10.95%
Income From Trading Activities	117,625	-43,556	85,013	91,761	78,191	-28,602
Gain (Loss) on Sale of Assets	10,221	7,243	4,049	13,154	8,518	2,297
Gain (Loss) on Sale of Investments	15,924	2,938	-37,068	-120,934	-1,628	22,199
Gain (Loss) on Sale of Equity Investments	9,301	9,289	10,436	8,763	10,310	-475
Other Non-Interest Income	692,246	899,029	757,576	838,030	553,282	460,240
Total Non-Interest Income	845,317	874,943	820,006	830,774	648,673	455,659
Non-Interest Income Growth (YoY)	-5.27%	6.70%	-1.30%	28.07%	42.36%	18.96%
Revenues Before Loan Losses	2,865,670	2,861,626	2,606,792	1,923,823	2,218,785	2,266,569
Provision for Loan Losses	594,493	575,313	504,590	322,785	356,494	291,228
Revenue	2,271,177	2,286,313	2,102,202	1,601,038	1,862,291	1,975,341
Revenue Growth (YoY)	-0.29%	8.76%	31.30%	-14.03%	-5.72%	28.48%
Salaries and Employee Benefits	417,163	412,902	398,819	412,275	415,977	397,990
Occupancy Expenses	134,499	135,159	141,435	143,762	129,993	122,055
Selling, General & Administrative	366,893	385,152	362,629	317,921	306,941	277,921
Other Non-Interest Expense	57,703	69,219	74,830	20,677	107,205	102,835
Total Non-Interest Expense	976,258	1,002,432	977,713	894,635	960,116	900,801
EBT Excluding Unusual Items	1,294,919	1,283,881	1,124,489	706,403	902,175	1,074,540
Asset Writedown	-3,717	-3,747	-1,295	-1,912	-	-
Legal Settlements	-804	-773	-555	1,081	-1,210	-493
Pretax Income	1,247,267	1,245,415	1,079,595	691,385	901,106	1,074,092
Income Tax Expense	210,474	207,362	219,745	97,548	93,624	221,664
Earnings From Continuing Operations	1,036,793	1,038,053	859,850	593,837	807,482	852,428
Minority Interest in Earnings	-19,751	-16,403	-6,886	-14,410	-15,206	-9,961
Net Income	1,017,042	1,021,650	852,964	579,427	792,276	842,467
Net Income to Common	1,017,042	1,021,650	852,964	579,427	792,276	842,467
Net Income Growth	0.65%	19.78%	47.21%	-26.87%	-5.96%	53.84%
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)	5.40	5.42	4.53	3.07	4.20	4.47
EPS (Diluted)	5.40	5.42	4.53	3.07	4.20	4.47
EPS Growth	0.56%	19.78%	47.20%	-26.86%	-5.96%	53.84%
Dividend Per Share	3.353	3.353	3.186	1.844	2.575	2.467
Dividend Growth	5.26%	5.26%	72.76%	-28.39%	4.38%	49.79%
Effective Tax Rate	16.88%	16.65%	20.35%	14.11%	10.39%	20.64%

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