Banco Santander-Chile Cash Flow Statement

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

Millions CLP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Net Income	1,017,042	1,021,650	852,964	579,427	792,276	842,467
Depreciation & Amortization	87,974	87,304	88,453	90,369	87,616	89,803
Other Amortization	46,525	47,855	52,982	53,393	42,377	32,252
Gain (Loss) on Sale of Assets	-19,702	-19,208	-9,116	-13,733	-10,759	-6,152
Gain (Loss) on Sale of Investments	3,890	-820	-47,268	-125,613	-20,173	-18,031
Total Asset Writedown	3,006	3,747	1,295	1,912	-	-
Provision for Credit Losses	794,055	770,714	658,629	428,996	447,814	368,431
Change in Other Net Operating Assets	-399,909	335,761	-1,944,020	-1,276,344	-1,859,173	-4,743,414
Other Operating Activities	-1,034,121	-1,353,324	-1,007,391	-875,816	-2,726	250,099
Operating Cash Flow	489,459	884,390	-1,362,005	-1,146,172	-533,058	-3,186,928
Capital Expenditures	-68,483	-84,659	-63,161	-74,426	-58,393	-57,995
Sale of Property, Plant and Equipment	33,330	32,582	1,140	1,643	18,690	2,498
Income (Loss) Equity Investments	-9,301	-9,289	-8,533	-8,763	-10,310	-2,383
Purchase / Sale of Intangibles	-51,164	-52,868	-44,559	-45,067	-54,899	-28,774
Investing Cash Flow	-86,317	-104,945	-106,580	-117,850	-94,602	-84,271
Long-Term Debt Issued	-	-	-	-	102,481	595,175
Long-Term Debt Repaid	-	-20,762	-25,364	-30,101	-21,827	-46,046
Net Debt Issued (Repaid)	470,192	-20,762	-25,364	-30,101	80,654	549,129
Common Dividends Paid	-600,336	-600,336	-347,483	-485,191	-464,977	-310,468
Net Increase (Decrease) in Deposit Accounts	-329,675	-828,983	1,844,393	2,461,930	174,070	2,592,249
Financing Cash Flow	-459,819	-1,450,081	1,471,546	1,946,638	-210,253	2,830,910
Foreign Exchange Rate Adjustments	-1,541	-7,305	7,317	-1,778	25,904	437,564
Net Cash Flow	-58,218	-677,941	10,278	680,838	-812,009	-2,725
Free Cash Flow	420,976	799,731	-1,425,166	-1,220,598	-591,451	-3,244,923
Free Cash Flow Margin	18.54%	34.98%	-67.79%	-76.24%	-31.76%	-164.27%
Free Cash Flow Per Share	2.23	4.24	-7.56	-6.48	-3.14	-17.22
Cash Interest Paid	2,986,524	3,189,844	4,076,146	4,135,540	2,516,544	1,109,746

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