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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.
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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