Banco Santander-Chile Income Statement

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

Millions CLP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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 Interest Income	1,986,683	1,786,786	1,093,049	1,570,112	1,794,774
Net Interest Income Growth	11.19%	63.47%	-30.38%	-12.52%	12.61%
Non-Interest Income	619,379	569,599	528,364	431,636	352,812
Non-Interest Income Growth	8.74%	7.80%	22.41%	22.34%	27.43%
Revenues Before Loan Losses	2,606,062	2,356,385	1,621,413	2,001,748	2,147,586
Provision for Credit Losses	-575,313	-504,590	-322,785	-356,494	-291,228
Revenue	3,181,375	2,860,975	1,944,198	2,358,242	2,438,814
Revenue Growth (YoY)	11.20%	47.16%	-17.56%	-3.30%	3.82%
Compensation Expenses	412,902	398,819	412,275	414,808	397,675
Selling, General & Admin	387,605	366,431	320,111	310,219	280,134
Other Non-Interest Expenses	138,906	142,730	145,674	236,299	223,485
Total Non-Interest Expense	939,413	907,980	878,060	961,326	901,294
Pretax Income	2,241,962	1,952,995	1,066,138	1,396,916	1,537,520
Provision for Income Taxes	-207,362	-219,745	-97,548	-93,624	-221,664
Net Income	1,021,650	852,964	579,427	792,276	842,467
Minority Interest in Earnings	16,403	6,886	14,410	15,206	9,961
Net Income to Common	1,021,650	852,964	579,427	792,276	842,467
Net Income Growth	19.78%	47.21%	-26.87%	-5.96%	53.84%
Shares Outstanding (Basic)	471	471	471	471	471
Shares Outstanding (Diluted)	471	471	471	471	471
EPS (Basic)	2168.40	1810.40	1230.00	1681.60	1788.40
EPS (Diluted)	2168.40	1810.40	1230.00	1681.60	1788.40
EPS Growth	19.78%	47.19%	-26.86%	-5.97%	53.85%
Free Cash Flow	-29,252	419,227	1,241,332	-417,381	-652,674
Free Cash Flow Growth	-	-66.23%	-	-	-
Free Cash Flow Per Share	-62.09	889.86	2634.88	-885.94	-1385.38
Dividends Per Share	-	3.186	1.844	2.575	2.467
Dividend Growth	-	72.76%	-28.39%	4.38%	49.79%
Profit Margin	60.17%	59.46%	34.50%	51.94%	47.90%
FCF Margin	-1.59%	24.69%	104.18%	-26.85%	-36.68%
EBITDA	135,159	141,435	143,762	129,993	122,055
EBITDA Margin	7.35%	8.33%	12.07%	8.36%	6.86%
Effective Tax Rate	-23.07%	-27.82%	-31.12%	-15.78%	-25.24%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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