Banco Santander-Chile Cash Flow 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 Income	1,038,053	859,850	593,837	807,482	852,428
Depreciation & Amortization	135,159	141,435	143,762	129,993	122,055
Provision for Credit Losses	767,953	658,534	429,854	447,071	368,082
Other Adjustments	-4,559,728	-3,946,033	-3,187,418	-2,033,483	-1,930,687
Changes in Other Operating Activities	2,143,509	2,960,345	3,585,055	1,047,596	-1,182,007
Operating Cash Flow	55,407	482,388	1,315,758	-358,988	-594,679
Operating Cash Flow Growth	-88.51%	-63.34%	-	-	-
Capital Expenditures	-84,659	-63,161	-74,426	-58,393	-57,995
Purchases of Intangible Assets	-52,868	-44,559	-45,067	-54,899	-28,774
Sale of Property, Plant & Equipment	32,582	1,140	1,643	18,690	2,498
Investing Cash Flow	-104,945	-106,580	-117,850	-94,602	-84,271
Long-Term Debt Issued	2,155,077	692,004	775,171	563,702	2,066,281
Long-Term Debt Repaid	-2,628,024	-1,286,573	-332,683	-1,240,695	-341,702
Net Long-Term Debt Issued (Repaid)	-472,947	-594,569	442,488	-676,993	1,724,579
Common Dividends Paid	-600,336	-347,483	-485,191	-464,977	-310,468
Financing Cash Flow	-621,098	-372,847	-515,292	-384,323	238,661
Effect of Exchange Rate Changes on Cash and Cash Equivalents	-7,305	7,317	-1,778	25,904	437,564
Net Cash Flow	-670,636	2,961	682,616	-837,913	-440,289
Free Cash Flow	-29,252	419,227	1,241,332	-417,381	-652,674
Free Cash Flow Growth	-	-66.23%	-	-	-
FCF Margin	-1.59%	24.69%	104.18%	-26.85%	-36.68%
Free Cash Flow Per Share	-62.09	889.86	2634.88	-885.94	-1385.38
Levered Free Cash Flow	2,742,712	3,297,014	4,676,306	1,234,479	1,449,099
Unlevered Free Cash Flow	2,194,009	3,038,619	3,654,391	1,119,196	-1,117,947

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

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