Banco Santander-Chile (SNSE:BSANTANDER)

Banco Santander-Chile Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	3,503,974	2,597,391	2,167,640	2,880,923	2,382,267	2,598,433
Investment Securities	11,859,651	9,620,250	8,077,483	12,769,023	10,794,910	10,531,521
Trading Asset Securities	16,474,696	11,975,387	13,638,312	10,983,693	12,304,768	10,414,933
Total Investments	28,334,347	21,595,637	21,715,795	23,752,716	23,099,678	20,946,454
Gross Loans	42,922,055	41,312,215	41,418,533	40,950,528	38,872,033	36,673,565
Allowance for Loan Losses	-1,426,937	-1,227,121	-1,193,854	-1,154,228	-1,036,887	-1,051,702
Net Loans	41,495,118	40,085,094	40,224,679	39,796,300	37,835,146	35,621,863
Property, Plant & Equipment	284,579	272,437	312,638	352,272	371,890	374,818
Other Intangible Assets	89,490	91,475	88,669	97,551	107,789	95,411
Other Receivables	150,816	114,558	225,075	255,506	315	252,417
Restricted Cash	418,103	563,886	1,100,472	654,883	444,491	673,396
Other Current Assets	3,122,124	2,152,861	1,966,479	2,427,102	-	2,328,934
Long-Term Deferred Tax Assets	525,614	387,698	361,256	428,549	314,125	710,896
Other Real Estate Owned & Foreclosed	48,168	77,867	63,571	37,244	-	27,414
Other Long-Term Assets	168,234	208,376	177,009	174,842	3,608,903	211,914
Total Assets	78,140,567	68,147,280	68,403,283	70,857,888	68,164,604	63,841,950

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	477,832	449,232	323,010	312,882	405,878	445,493
Accrued Expenses	79,829	82,734	80,615	44,861	36,814	121,559
Interest Bearing Deposits	19,902,703	18,895,056	19,460,777	16,137,942	13,988,928	11,904,288
Non-Interest Bearing Deposits	11,731,250	11,674,317	11,898,457	11,868,336	11,711,969	14,385,633
Total Deposits	31,633,953	30,569,373	31,359,234	28,006,278	25,700,897	26,289,921
Short-Term Borrowings	19,674,821	14,335,223	13,451,349	12,357,927	14,509,194	11,116,625
Current Portion of Long-Term Debt	3,788,803	5,082,456	5,966,890	11,720,515	-	4,293,205
Current Portion of Leases	14,932	6,629	12,685	20,716	-	23,391
Current Income Taxes Payable	61,923	83,084	48,548	163,878	112,481	-
Other Current Liabilities	4,216,439	1,341,032	753,288	2,907,779	2,132,909	2,620,779
Long-Term Debt	9,385,915	7,971,108	8,370,226	9,051,468	18,354,774	12,840,212
Long-Term Leases	45,862	34,020	54,197	83,800	137,089	116,404
Long-Term Unearned Revenue	7,813	6,473	3,120	2,679	6,354	6,634
Long-Term Deferred Tax Liabilities	4,600	1,785	676	3,547	1	427,655
Other Long-Term Liabilities	3,619,421	2,447,830	2,620,490	1,689,665	2,529,841	1,112,499
Total Liabilities	73,025,642	62,410,979	63,044,328	66,365,995	63,926,232	59,414,377

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	891,303	891,303	891,303	891,303	891,303	891,303
Retained Earnings	293,366	661,598	499,174	365,858	589,482	647,065
Comprehensive Income & Other	3,758,616	4,063,458	3,864,084	3,109,997	2,648,023	2,794,845
Total Common Equity	4,943,285	5,616,359	5,254,561	4,367,158	4,128,808	4,333,213
Minority Interest	171,640	119,942	104,394	124,735	109,564	94,360
Shareholders' Equity	5,114,925	5,736,301	5,358,955	4,491,893	4,238,372	4,427,573
Total Liabilities & Equity	78,140,567	68,147,280	68,403,283	70,857,888	68,164,604	63,841,950

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	32,910,333	27,429,436	27,855,347	33,234,426	33,001,057	28,389,837
Net Cash (Debt)	-11,748,074	-12,428,675	-11,896,308	-19,369,810	-18,314,022	-15,376,471
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-62.34	-65.95	-63.13	-102.79	-97.18	-81.60
Filing Date Shares Outstanding	188,446	188,446	188,446	188,446	188,446	188,446
Total Common Shares Outstanding	188,446	188,446	188,446	188,446	188,446	188,446
Book Value Per Share	26.23	29.80	27.88	23.17	21.91	22.99
Tangible Book Value	4,853,795	5,524,884	5,165,892	4,269,607	4,021,019	4,237,802
Tangible Book Value Per Share	25.76	29.32	27.41	22.66	21.34	22.49

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 5, 2026

Data Sources Report a data error