BANCO SANTANDER CHILE's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), BANCO SANTANDER CHILE reported net income of $1.0T (+20.7% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest income and inflation | $3.8T | $4.1T | $4.4T | $4.1T |
| Interest expense and inflation | ($1.8T) | ($2.3T) | ($3.3T) | ($2.5T) |
| Net interest income | $2.0T | $1.8T | $1.1T | $1.6T |
| Fee and commission income | $1.0T | $960.2B | $848.5B | $729.1B |
| Fee and commission expense | ($444.8B) | ($413.1B) | ($345.9B) | ($321.8B) |
| Net fee and commission income | $595.8B | $547.1B | $502.6B | $407.3B |
| Net income/(expense) from financial assets and liabilities for trading | ($43.6B) | $85.0B | $91.8B | $78.2B |
| Net income from derecognising financial assets and liabilities at amortised cost and financial assets at fair value through other comprehensive income | $2.9B | ($37.1B) | ($120.9B) | ($1.6B) |
| Net income from exchange, adjustment and hedge accounting of foreign exchange | $296.4B | $202.6B | $331.6B | $140.6B |
| Net income from financial operations | $255.8B | $250.5B | $302.5B | $217.2B |
| Income from investments in associates and other companies | $9.3B | $10.4B | $8.8B | $10.3B |
| Net income from non-current assets and groups available for sale not admissible as discontinued operations | $7.2B | $4.0B | $13.2B | $8.5B |
| Other operating income | $7.0B | $8.0B | $3.8B | $5.5B |
| TOTAL OPERATING INCOME | $2.9T | $2.6T | $1.9T | $2.2T |
| Personnel salaries and expenses | ($412.9B) | ($398.8B) | ($412.3B) | ($414.8B) |
| Administrative expenses | ($387.6B) | ($366.4B) | ($320.1B) | ($310.2B) |
| Depreciation and amortisation | ($135.2B) | ($141.4B) | ($143.8B) | ($130.0B) |
| Impairment of non-financial assets | ($3.7B) | ($1.3B) | ($1.9B) | — |
| Other operating expenses | ($101.7B) | ($114.7B) | ($31.6B) | ($106.3B) |
| TOTAL OPERATING EXPENSES | ($1.0T) | ($1.0T) | ($909.7B) | ($961.3B) |
| NET OPERATING INCOME BEFORE CREDIT LOSSES | $1.8T | $1.6T | $1.0T | $1.3T |
| Provisions for loan losses for interbank loans and account receivable from customers | ($750.5B) | ($660.8B) | ($453.5B) | ($441.4B) |
| Provisions for loan losses for contingent loans and others | ($13.5B) | $2.9B | $24.4B | ($5.2B) |
| Recovery of loans previously charged-off | $192.6B | $153.9B | $107.1B | $90.6B |
| Provision for loan losses for other financial assets at amortised cost and financial assets at fair value through OCI | ($4.0B) | ($622.0M) | ($759.0M) | ($486.0M) |
| Provision for loan losses | ($575.3B) | ($504.6B) | ($322.8B) | ($356.5B) |
| NET OPERATING INCOME BEFORE INCOME TAX | $1.2T | $1.1T | $691.4B | $901.1B |
| Income tax expense | ($207.4B) | ($219.7B) | ($97.5B) | ($93.6B) |
| Result of continuing operations | $1.0T | $859.9B | $593.8B | $807.5B |
| Result of discontinued operations | $0 | $0 | — | — |
| NET INCOME FOR THE YEAR | $1.0T | $859.9B | $593.8B | $807.5B |
| Shareholders of the Bank | $1.0T | $853.0B | $579.4B | $792.3B |
| Non-controlling interest | $16.4B | $6.9B | $14.4B | $15.2B |
| Basic earnings (in Pesos per share) | $5.42 | $4.53 | $3.08 | $4.20 |
| Diluted earnings (in Pesos per share) | $5.42 | $4.53 | $3.08 | $4.20 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and deposits in banks | $2.0T | $2.7T | $2.7T | $2.0T |
| Cash items in process of collection | $1.2T | $572.6B | $812.5B | $843.8B |
| Financial derivative contracts | $10.9T | $12.3T | $10.1T | $11.7T |
| Debt financial instruments | $714.6B | $329.3B | $98.3B | $154.0B |
| Financial assets for trading at fair value through profit and loss | $11.6T | $12.6T | $10.2T | $11.8T |
| Debt financial instrument | $3.6T | $2.7T | $4.5T | $5.9T |
| Other financial instruments | $291.6B | $74.9B | $105.3B | $142.3B |
| Financial assets at fair value through other comprehensive income | $3.9T | $2.8T | $4.6T | $6.0T |
| Financial derivative contracts for hedge accounting | $261.2B | $843.6B | $605.5B | $477.8B |
| Rights under repurchase agreements | $428.0B | $153.1B | — | — |
| Debt financial instruments | $5.5T | $5.2T | $8.2T | $4.9T |
| Interbank loans | $68.2B | $31.3B | $68.4B | $33.0B |
| Loans and account receivable from customers | $39.6T | $40.1T | $39.6T | $37.5T |
| Financial assets at amortised cost | $45.7T | $45.5T | $47.8T | $42.4T |
| Investments in associates and other companies | $67.0B | $59.8B | $55.3B | $46.6B |
| Intangible assets | $91.5B | $88.7B | $97.6B | $107.8B |
| Property, plant, and equipment | $242.5B | $251.8B | $251.8B | $238.1B |
| Right of use assets | $29.9B | $60.8B | $100.4B | $133.8B |
| Current taxes | $113.0M | $60.0M | $93.6B | $36.5B |
| Deferred taxes | $387.7B | $361.3B | $553.5B | $641.3B |
| Other assets | $2.6T | $2.5T | $3.0T | $3.6T |
| Non-current assets and disposal groups for sale | $114.0B | $71.6B | $51.4B | $40.4B |
| TOTAL ASSETS | $68.1T | $68.4T | $71.1T | $68.4T |
| Cash items in process of being cleared | $1.1T | $497.1B | $775.1B | $746.9B |
| Financial derivative contracts | $10.6T | $12.2T | $9.5T | $11.3T |
| Financial liabilities for trading at fair value through profit and loss | $10.6T | $12.2T | $9.5T | $11.3T |
| Financial derivative contracts for accounting hedges | $912.7B | $898.4B | $2.5T | $2.8T |
| Deposits and other demand liabilities | $14.1T | $14.3T | $13.5T | $14.1T |
| Time deposits and other time liabilities | $16.5T | $17.1T | $16.1T | $13.0T |
| Obligations under repurchase agreements | $2.8T | $276.6B | $282.6B | $315.4B |
| Interbank borrowings | $3.4T | $4.3T | $10.4T | $8.9T |
| Issued debt instruments | $7.7T | $8.1T | $8.0T | $7.2T |
| Other financial liabilities | $224.3B | $200.5B | $296.3B | $293.0B |
| Financial liabilities at amortised cost | $44.7T | $44.3T | $48.6T | $43.7T |
| Lease liabilities | $40.6B | $66.9B | $104.5B | $137.1B |
| Regulatory capital financial instruments | $1.9T | $1.9T | $1.8T | $1.7T |
| Provisions | $838.4B | $746.5B | $284.0B | $461.0B |
| Current taxes | $83.1B | $48.5B | $257.3B | $148.7B |
| Deferred taxes | $1.8B | $676.0M | $217.9B | $376.7B |
| Other liabilities | $2.2T | $2.4T | $1.7T | $2.0T |
| TOTAL LIABILITIES | $62.4T | $63.0T | $65.7T | $63.5T |
| Capital | $891.3B | $891.3B | $891.3B | $891.3B |
| Reserves | $3.5T | $3.3T | $3.2T | $2.9T |
| Valuation adjustments | ($71.2B) | ($107.2B) | ($5.2B) | ($167.1B) |
| Others equity instruments issued other than capital | $629.5B | $693.4B | $608.7B | $590.2B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| NET INCOME FOR THE YEAR | $1.0T | $859.9B | $593.8B | — |
| Adjustments for non-cash items included in net income | ($1.8T) | ($1.6T) | ($1.3T) | — |
| Depreciation and amortization | $135.2B | $141.4B | $143.8B | — |
| Impairment of property, plant, and equipment | $3.7B | $1.3B | $1.9B | — |
| Provision for loan losses | $768.0B | $658.5B | $429.9B | — |
| Mark to market of trading investments | ($820.0M) | ($45.4B) | ($125.6B) | — |
| Income from investments in associates and other companies | ($9.3B) | ($8.5B) | ($8.8B) | — |
| Net gain on sale of assets received in lieu of payment | ($9.1B) | ($4.0B) | ($8.5B) | — |
| Provision on assets received in lieu of payment | $2.8B | $95.0M | ($858.0M) | — |
| Net sale on sale of investment in associates and other companies | $0 | ($1.9B) | — | — |
| Net gain on sale of property, plant and equipment | ($10.1B) | ($5.1B) | ($5.3B) | — |
| Net interest income | ($2.0T) | ($1.8T) | ($1.1T) | — |
| Net fee and commission income | ($595.8B) | ($547.1B) | ($502.6B) | — |
| Changes in deferred taxes | ($38.8B) | $12.7B | ($131.2B) | — |
| Other non-cash items | ($87.3B) | $11.7B | ($6.6B) | — |
| Increase/decrease in operating assets and liabilities | $845.7B | $1.2T | $2.0T | — |
| (Increase)/decrease of loans and accounts receivables from customers, net | $427.9B | ($549.1B) | ($2.0T) | — |
| (Increase)/decrease of financial investments | ($1.6T) | $4.6T | ($1.9T) | — |
| Decrease/ (increase) of interbank loans | ($36.8B) | $37.1B | ($35.4B) | — |
| Decrease/(increase) of assets received or awarded in lieu of payment | ($20.4B) | ($21.1B) | ($5.7B) | — |
| Increase/(decrease) of debits in customers checking accounts | ($224.1B) | $883.7B | ($697.2B) | — |
| (Decrease)/increase of time deposits and other time liabilities | ($604.8B) | $960.7B | $3.2T | — |
| (Decrease)/increase of obligations with domestic banks | ($22.3B) | $6.1B | $4.9B | — |
| Increase/(decrease) of other demand liabilities or time obligations | $50.7B | $61.3B | ($162.3B) | — |
| Increase/(decrease) of obligations with foreign banks | ($881.5B) | $14.2B | $1.0T | — |
| Increase/(decrease) of obligations with Central Bank of Chile | $0 | ($6.0T) | $464.8B | — |
| (Decrease)/increase of obligations under repurchase agreements | $2.5T | ($6.0B) | ($32.8B) | — |
| (Decrease)/increase in other financial liabilities | $23.8B | ($95.7B) | $3.3B | — |
| (Decrease)/increase of other assets and liabilities | $413.4B | $609.9B | $940.6B | — |
| Redemption of letters of credit | ($166.0M) | ($1.0B) | ($2.6B) | — |
| Senior bond issuances | $2.2T | $692.0B | $775.2B | — |
| Redemption of senior bonds and payments of interest | ($2.6T) | ($1.2T) | ($266.8B) | — |
| Redemption of mortgage bonds and payments of interest | ($10.4B) | ($8.6B) | ($7.5B) | — |
| Redemption of perpetual bond and payments of interest | ($30.6B) | ($30.8B) | ($28.2B) | — |
| Payment of interest on lease obligations | ($30.8B) | ($7.6B) | ($3.6B) | — |
| Interest received | $4.2T | $5.0T | $4.7T | — |
| Interest paid | ($3.2T) | ($4.1T) | ($4.1T) | — |
| Dividends received from investments in other companies | $3.4B | $966.0M | $2.9B | — |
| Fees and commissions received | $760.8B | $692.0B | $621.3B | — |
| Fees and commissions paid | ($444.8B) | ($278.9B) | ($304.8B) | — |
| Total cash flow (used in) provided by operating activities | $55.4B | $482.4B | $1.3T | — |
| Purchases of property, plant, and equipment | ($84.7B) | ($63.2B) | ($76.4B) | — |
| Sales of property, plant, and equipment | $32.6B | $1.1B | $1.6B | — |
| Purchases of intangible assets | ($52.9B) | ($44.6B) | ($45.1B) | — |
| Total cash flow used in investment activities | ($104.9B) | ($106.6B) | ($117.8B) | — |
BANCO SANTANDER CHILE score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.