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Banco Santander-Chile
Banco Santander-Chile (BSANTANDER) investor relations material
Banco Santander-Chile Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Net income reached CLP 1,053 billion in 2025, up 23% year-over-year, with ROE/ROAE at 23.5% and efficiency ratio at 36%.
Client base expanded to 4.6 million, with 58% active and 2.3 million digital clients monthly; digital transformation and client-centric strategy drove growth.
Strategic focus on digital transformation, operational efficiency, and fee-based income growth.
Recognized as best bank in Chile by multiple international publications and improved ESG ratings.
Successful $500 million five-year bond issuance at 4.55% in early 2026.
Financial highlights
Net interest income, including readjustment, rose 11% year-over-year; NIM improved to 4.0%.
Fee income grew 9%, financial transactions up 8.5%, and mutual funds increased 7%.
Recurrence ratio reached 63.7%, with fee income now 21% of total revenues.
Operating expenses grew 1.6% for the year, with a temporary increase due to cloud migration; efficiency ratio improved by 299bp to 36%.
CET1 capital ratio at 11%, with a 60% payout of 2025 income provisioned for dividends.
Outlook and guidance
2026 GDP growth expected at 2.4%, with loan growth guidance at mid-single digits (5-6%).
ROE/ROAE guidance for 2026 set at 22%-24%.
NIM expected to remain at 4%, with mid to high single-digit growth in fees and financial transactions.
Cost of risk projected to improve to 1.3% for 2026.
Efficiency ratio to remain in the mid-30s.
Pension reform's capital market impact
Digital strategy's impact on fee recurrence
Mortgage loan renegotiation trends
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Next Banco Santander-Chile earnings date
Q1 202628 Apr, 2026
Banco Santander-Chile
Next Banco Santander-Chile earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
Banco Santander-Chile (BSAC), a key subsidiary of Banco Santander SA, is a prominent provider of both retail and commercial banking products, investment services, insurance brokerage, and other related financial solutions across Chile. Catering to a diverse clientele that includes individuals, SMEs, corporates, government, institutional, and high-net-worth clients, the bank offers a comprehensive portfolio. This includes various accounts and deposit services, debit and credit cards, consumer and business loans and mortgages, along with foreign trade and exchange services, transactional services, and e-banking solutions. The bank's investment management services cover foreign currency forward contracts, lines of credit, stock and securities brokerage, mutual funds and derivatives management, and financial advisory. Additionally, Banco Santander-Chile provides factoring, treasury management, leasing, and guaranteed loans, reflecting its extensive financial service offerings. The company is headquartered in Santiago, Chile, and its shares are listed on the NYSE.
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