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Banco Santander-Chile (BSANTANDER) investor relations material
Banco Santander-Chile Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary5 Aug, 2025
Executive summary
Net income reached $550B in 1H25, up 62.8% YoY, with ROE/ROAE at 25.1% for H1 and 24.5% in Q2, marking five consecutive quarters above 20% ROE.
Client base expanded to 4.5M, with 2.3M digital users and 59–87% active clients; current accounts up 10% YoY.
Strategic focus on digital transformation, including full cloud migration and new digital products, supporting operational efficiency.
Recognized for sustainability, ESG, and employer excellence, winning multiple industry awards.
Maintained a diversified banking model, with 57% of loans to individuals and 43% to companies.
Financial highlights
Net interest margin reached 4.1% in 6M25, up 100–101 bps YoY; net interest income rose 26% YoY.
Fee and financial transaction income grew 13–16% YoY, supported by increased product usage and client base.
Efficiency ratio improved to 35.3% in 6M25, best in Chile, with operating expenses up 2.3% YoY.
Cost of risk at 1.39% YTD, with NPL ratio at 3.0–3.6% and coverage at 105–120%.
Total loans grew 1% YoY, with consumer loans up 3.4% and credit cards up 10.4%.
Outlook and guidance
2025 ROE/ROAE guidance at 21–23%, with long-term sustainable ROE above 20%.
Loan growth expected in low single digits; NIM projected around 4%; efficiency ratio in mid-30% range.
Cost of risk to normalize toward 1.2–1.3%; GDP growth forecast at 2.1% for 2025.
Commissions and financial transactions anticipated to grow at high single digits.
How did the Gravity project impact expenses?
What's driving growth in dollar checking accounts?
What is the outlook for NIM in 2025?
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Next Banco Santander-Chile earnings date
Q3 20255 Nov, 2025
Next Banco Santander-Chile earnings date
Q3 20255 Nov, 2025
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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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