Banco Santander-Chile (BSAC)

Banco Santander-Chile Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	2,657,491	2,880,923	2,382,267	2,598,433	1,942,857	2,178,503
Investment Securities	8,365,827	12,768,204	10,794,910	10,531,521	7,160,229	4,004,671
Trading Asset Securities	12,201,376	10,823,323	12,304,768	10,414,933	9,493,741	8,418,812
Mortgage-Backed Securities	-	-	-	-	14,022	16,748
Total Investments	20,567,203	23,591,527	23,099,678	20,946,454	16,667,992	12,440,231
Gross Loans	40,425,084	40,917,268	38,872,033	36,673,565	34,452,538	32,775,089
Allowance for Loan Losses	-1,199,372	-1,154,228	-1,036,887	-1,051,702	-1,038,147	-893,167
Net Loans	39,225,712	39,763,040	37,835,146	35,621,863	33,414,391	31,881,922
Property, Plant & Equipment	323,544	352,272	371,890	374,818	388,851	408,333
Other Intangible Assets	89,377	97,551	107,789	95,411	82,537	73,389
Other Receivables	194,866	146	315	252,417	161,590	225,681
Restricted Cash	111,198	654,883	444,491	673,396	1,313,394	1,731,079
Other Current Assets	1,935,526	-	-	2,328,934	1,021,254	983,482
Long-Term Deferred Tax Assets	437,547	428,549	314,125	710,896	516,490	462,867
Other Real Estate Owned & Foreclosed	45,438	-	-	27,414	31,447	32,522
Other Long-Term Assets	302,352	3,088,997	3,608,903	211,914	162,420	160,237
Total Assets	65,890,254	70,857,888	68,164,604	63,841,950	55,703,223	50,578,246
Accounts Payable	386,372	312,882	405,878	445,493	227,518	214,216
Accrued Expenses	20,201	-	-	121,559	109,004	101,969
Interest Bearing Deposits	16,494,241	16,991,530	13,988,928	11,904,288	12,164,974	13,933,920
Non-Interest Bearing Deposits	11,890,180	11,014,748	11,711,969	14,385,633	11,342,648	8,093,108
Total Deposits	28,384,421	28,006,278	25,700,897	26,289,921	23,507,622	22,027,028
Short-Term Borrowings	13,639,973	12,339,697	14,509,194	11,116,625	9,548,542	7,390,748
Current Portion of Long-Term Debt	5,059,047	-	-	4,293,205	2,959,692	4,598,958
Current Portion of Leases	17,351	-	-	23,391	25,526	26,061
Current Income Taxes Payable	34,109	163,878	112,481	-	12,977	-
Other Current Liabilities	4,264,359	2,507,624	2,169,723	2,620,779	2,983,339	3,077,402
Long-Term Debt	9,067,532	20,790,203	18,354,774	12,840,212	12,076,603	9,219,884
Long-Term Leases	65,054	104,516	137,089	116,404	124,059	132,433
Long-Term Unearned Revenue	2,095	2,679	6,354	6,634	828	640
Pension & Post-Retirement Benefits	-	-	-	-	9,177	8,764
Long-Term Deferred Tax Liabilities	-	3,547	1	427,655	129,493	99,608
Other Long-Term Liabilities	613,161	2,134,691	2,529,841	1,112,499	284,069	210,218
Total Liabilities	61,566,104	66,365,995	63,926,232	59,414,377	51,998,449	47,107,929
Common Stock	891,303	891,303	891,303	891,303	891,303	891,303
Retained Earnings	201,583	365,858	589,482	647,065	410,501	386,465
Comprehensive Income & Other	3,125,997	3,109,997	2,648,023	2,794,845	2,318,287	2,113,055
Total Common Equity	4,218,883	4,367,158	4,128,808	4,333,213	3,620,091	3,390,823
Minority Interest	105,267	124,735	109,564	94,360	84,683	79,494
Shareholders' Equity	4,324,150	4,491,893	4,238,372	4,427,573	3,704,774	3,470,317
Total Liabilities & Equity	65,890,254	70,857,888	68,164,604	63,841,950	55,703,223	50,578,246
Total Debt	27,848,957	33,234,416	33,001,057	28,389,837	24,734,422	21,368,084
Net Cash (Debt)	-12,825,631	-19,530,170	-18,314,022	-15,376,471	-13,297,525	-10,390,447
Net Cash Per Share	-68.06	-103.64	-97.18	-81.60	-70.56	-55.14
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	22.39	23.17	21.91	22.99	19.21	17.99
Tangible Book Value	4,129,506	4,269,607	4,021,019	4,237,802	3,537,554	3,317,434
Tangible Book Value Per Share	21.91	22.66	21.34	22.49	18.77	17.60

Source: S&P Capital IQ. Banks template. Financial Sources.