Banco Santander-Chile (BSAC)

Banco Santander-Chile Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	-	3,620,583	3,872,573	4,086,656	1,617,797
Interest Paid on Deposits	-	2,115,842	3,130,089	2,516,544	-193,113
Net Interest Income	2,016,696	1,504,741	742,484	1,570,112	1,810,910
Net Interest Income Growth (YoY)	34.02%	102.66%	-52.71%	-13.30%	10.95%
Income From Trading Activities	-	85,013	91,761	78,191	-28,602
Gain (Loss) on Sale of Assets	-	-8,311	13,558	8,518	2,297
Gain (Loss) on Sale of Investments	-	-37,068	-120,934	-1,628	22,199
Gain (Loss) on Sale of Equity Investments	-	10,436	8,763	10,310	-475
Other Non-Interest Income	862,176	1,064,551	1,214,768	553,282	460,240
Total Non-Interest Income	862,176	1,114,621	1,207,916	648,673	455,659
Non-Interest Income Growth (YoY)	-22.65%	-7.72%	86.21%	42.36%	18.96%
Revenues Before Loan Losses	2,878,872	2,619,362	1,950,400	2,218,785	2,266,569
Provision for Loan Losses	572,772	525,831	473,592	356,494	291,228
Revenue	2,306,100	2,093,531	1,476,808	1,862,291	1,975,341
Revenue Growth (YoY)	10.15%	41.76%	-20.70%	-5.72%	28.48%
Salaries and Employee Benefits	-	399,644	410,156	415,977	397,990
Occupancy Expenses	-	141,435	143,762	129,993	122,055
Selling, General & Administrative	935,666	361,804	320,040	306,941	277,921
Other Non-Interest Expense	92,888	74,830	20,677	107,205	102,835
Total Non-Interest Expense	1,028,554	977,713	894,635	960,116	900,801
EBT Excluding Unusual Items	1,277,546	1,115,818	582,173	902,175	1,074,540
Asset Writedown	-	-1,295	-1,912	-	-
Legal Settlements	-	-555	1,081	-1,210	-493
Pretax Income	1,277,546	1,074,320	567,155	901,106	1,074,092
Income Tax Expense	207,934	209,811	56,341	93,624	221,664
Earnings From Continuing Operations	1,069,612	864,509	510,814	807,482	852,428
Minority Interest in Earnings	-16,403	-6,886	-14,410	-15,206	-9,961
Net Income	1,053,209	857,623	496,404	792,276	842,467
Net Income to Common	1,053,209	857,623	496,404	792,276	842,467
Net Income Growth	22.81%	72.77%	-37.34%	-5.96%	53.84%
Basic Shares Outstanding	188,446	188,446	188,446	188,446	188,446
Diluted Shares Outstanding	188,446	188,446	188,446	188,446	188,446
EPS (Basic)	5.59	4.55	2.63	4.20	4.47
EPS (Diluted)	5.59	4.55	2.63	4.20	4.47
EPS Growth	22.83%	73.00%	-37.44%	-5.96%	53.84%
Dividend Per Share	-	3.186	1.844	2.575	2.467
Dividend Growth	-	72.77%	-28.39%	4.38%	49.79%
Effective Tax Rate	16.28%	19.53%	9.93%	10.39%	20.64%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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