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	1,277,550	1,074,320	593,837	807,482	852,428
Depreciation & Amortization	135,159	141,435	143,762	129,993	122,055
Provision for Credit Losses	765,412	679,775	429,854	447,071	368,082
Other Adjustments	-2,476,500	-2,186,640	-1,880,520	-2,033,480	-1,930,690
Changes in Trading Assets	-1,645,420	4,618,410	-1,908,860	-647,482	-2,960,910
Changes in Securities Borrowed	-274,896	-153,087	-	-	-
Changes in Accrued Interest and Accounts Receivable	5,000,960	5,656,940	5,284,230	4,815,720	3,499,700
Changes in Trading Liabilities	2,478,660	-5,996	-32,771	228,721	-883,174
Changes in Accounts Payable	-224,140	883,710	-700,823	-2,676,520	1,687,390
Changes in Accrued Expenses	-3,604,640	-4,323,570	-4,440,340	-2,838,340	-
Changes in Other Operating Activities	-960,107	-5,330,800	3,827,380	1,407,850	-1,349,560
Operating Cash Flow	472,022	1,054,490	1,315,760	-358,988	-594,679
Operating Cash Flow Growth	-55.24%	-19.86%	-	-	-
Capital Expenditures	-59,294	-45,781	-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	81,155	16,943	1,643	18,690	2,498
Investing Cash Flow	-31,007	-73,397	-117,850	-94,602	-84,271
Long-Term Debt Issued	2,155,080	692,004	-	102,481	595,175
Long-Term Debt Repaid	-2,666,390	-1,322,650	-30,101	-21,827	-46,046
Net Long-Term Debt Issued (Repaid)	-511,315	-630,648	-30,101	80,654	549,129
Common Dividends Paid	-600,336	-347,483	-485,191	-464,977	-310,468
Financing Cash Flow	-1,111,650	-978,131	-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	412,728	1,008,710	1,241,330	-417,381	-652,674
Free Cash Flow Growth	-59.08%	-18.74%	-	-	-
FCF Margin	14.27%	38.46%	77.53%	-22.41%	-33.04%
Free Cash Flow Per Share	876.07	2141.11	2634.88	-885.94	-1385.38
Levered Free Cash Flow	2,290,730	2,526,790	2,661,890	1,249,690	1,459,060
Unlevered Free Cash Flow	846,274	1,441,260	2,098,160	361,549	57,503

Updated Apr 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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