Banco Santander-Chile (BSAC)

Banco Santander-Chile Balance Sheet

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
Cash & Equivalents	3,161,277	3,268,112	3,535,806	2,826,758	3,271,829
Securities and Investments	7,488,318	5,449,873	4,536,025	6,023,039	5,803,139
Trading Assets	12,309,033	12,968,424	98,308	23,499,966	10,196,954
Other Earning Assets	261,192	843,628	605,529	477,762	-
Net Loans	39,710,422	40,131,154	39,661,895	37,576,134	35,477,628
Net Property, Plant & Equipment	272,437	312,638	352,272	371,890	374,818
Other Intangible Assets	91,475	88,669	97,551	107,789	95,411
Long-Term Investments	67,040	59,785	55,284	46,586	35,745
Other Non-Earning Assets	3,145,855	2,968,720	3,437,284	4,297,471	3,795,132
Total Assets	68,147,280	68,403,283	70,781,592	68,422,026	63,841,950
Interest-bearing deposits	16,493,783	17,098,625	16,137,942	12,978,790	10,131,055
Noninterest-bearing deposits	14,075,590	14,260,609	13,537,826	14,086,226	17,900,938
Total Deposits	30,569,373	31,359,234	29,675,768	27,065,016	28,031,993
Short-Term Interbank Borrowing and Repurchase Agreements	6,189,480	4,614,535	10,649,083	9,180,120	8,913,217
Trading Liabilities	11,500,024	13,053,418	11,988,342	25,427,434	10,871,241
Accounts Payable	1,068,216	497,110	775,082	746,872	379,934
Accrued Expenses	40,649	66,882	104,516	137,089	139,795
Long-Term Debt	9,871,914	10,244,513	10,111,256	9,192,757	8,579,967
Other Liabilities	47,853,597	47,516,221	2,135,050	46,732,135	2,498,230
Total Liabilities	62,410,979	63,044,328	65,439,097	63,458,079	59,414,377
Common Stock	891,303	891,303	891,303	891,303	891,303
Additional Paid-in Capital	4,134,639	3,971,258	3,769,331	3,450,788	3,148,695
Accumulated Other Comprehensive Income	-71,181	-107,174	-5,242	-167,147	-353,850
Retained Earnings	1,051,323	751,808	430,506	679,439	1,294,130
Total Common Shareholders' Equity	5,616,359	5,254,561	5,085,898	4,854,383	4,333,213
Minority Interest	119,942	104,394	124,735	109,564	94,360
Shareholders' Equity	5,736,301	5,358,955	5,342,495	4,963,947	4,427,573
Total Liabilities & Equity	68,147,280	68,403,283	70,781,592	68,422,026	63,841,950
Total Debt	9,871,914	10,244,513	10,111,256	9,192,757	8,579,967
Net Cash (Debt)	-9,871,914	-10,244,513	-10,111,256	-9,192,757	-8,579,967
Net Cash Per Share	-20954.35	-21745.23	-21462.38	-19512.75	-18212.03
Book Value	5,616,359	5,254,561	5,085,898	4,854,383	4,333,213
Book Value Per Share	11921.41	11153.45	10795.44	10304.02	9197.78
Tangible Book Value	5,524,884	5,165,892	4,988,347	4,746,594	4,237,802
Tangible Book Value Per Share	11727.24	10965.24	10588.38	10075.23	8995.25

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

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