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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.
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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.

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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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