Banco Santander-Chile (SNSE:BSANTANDER)

Banco Santander-Chile Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	857,623	496,404	792,276	842,467	547,614
Depreciation & Amortization	88,453	90,369	87,616	89,803	84,042
Other Amortization	52,982	53,393	42,377	32,252	25,384
Gain (Loss) on Sale of Assets	-9,116	-13,732	-10,759	-6,152	-6,799
Gain (Loss) on Sale of Investments	-47,268	-125,613	-20,173	-18,031	43,629
Total Asset Writedown	1,295	1,912	-	-	638
Provision for Credit Losses	700,594	601,123	447,814	368,431	554,646
Change in Other Net Operating Assets	-1,038,188	-2,632,033	-1,859,173	-4,743,414	-2,693,104
Other Operating Activities	-592,811	-628,338	-2,726	250,099	-13,169
Operating Cash Flow	5,031	-2,165,278	-533,058	-3,186,928	-1,458,507
Capital Expenditures	-45,781	-56,661	-58,393	-57,995	-50,613
Sale of Property, Plant and Equipment	16,943	1,643	18,690	2,498	15,678
Income (Loss) Equity Investments	-8,533	-8,763	-10,310	-2,383	-1,388
Purchase / Sale of Intangibles	-44,559	-45,067	-54,899	-28,774	-35,170
Investing Cash Flow	-73,397	-100,085	-94,602	-84,271	-70,105
Long-Term Debt Issued	692,004	775,171	102,481	595,175	475,390
Long-Term Debt Repaid	-1,295,199	-338,852	-21,827	-46,046	-42,045
Net Debt Issued (Repaid)	-603,195	436,319	80,654	549,129	433,345
Common Dividends Paid	-347,483	-485,191	-464,977	-310,468	-331,255
Net Increase (Decrease) in Deposit Accounts	1,022,005	2,996,851	174,070	2,592,249	638,514
Financing Cash Flow	71,327	2,947,979	-210,253	2,830,910	740,604
Foreign Exchange Rate Adjustments	7,317	-1,778	25,904	437,564	-28,706
Net Cash Flow	10,278	680,838	-812,009	-2,725	-816,714
Free Cash Flow	-40,750	-2,221,939	-591,451	-3,244,923	-1,509,120
Free Cash Flow Margin	-1.95%	-150.46%	-31.76%	-164.27%	-98.16%
Free Cash Flow Per Share	-0.22	-11.79	-3.14	-17.22	-8.01
Cash Interest Paid	4,044,629	4,107,151	2,516,544	1,109,746	638,479

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