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Banco Santander-Chile (BSANTANDER) investor relations material
Banco Santander-Chile Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Net income reached CLP 798 billion in the first nine months of 2025, up 37.3% year-over-year, with ROE/ROAE at 24% and efficiency ratio at 35.9%.
Digital transformation and client base expansion drove fee income growth and improved income mix, with 4.6 million clients, 2.3 million digital, and 59% active.
Recognized as the most efficient bank in Chile, awarded for excellence and ESG performance, and included in major sustainability indices.
Financial highlights
Net interest income rose 16.6% year-over-year to CLP 1,512 billion; NIM at 4.0% year-to-date.
Fee income increased 8% YoY, financial transactions up 19%, and mutual funds grew 15% YoY.
Operating costs grew below inflation, with core expenses down 3.4% in Q3 and overall expenses up 2.7% YoY.
Efficiency ratio improved to 35.9%, best in the Chilean industry for 2025.
Cost of risk/credit at 1.39% year-to-date, with NPL ratio stable at 3.1%.
Outlook and guidance
2025 guidance: low single-digit loan growth, NIM around 4%, efficiency in mid-30s, cost of risk/credit near 1.35%, and ROE/ROAE ~23%.
2026 guidance: mid-single-digit loan growth, NIM ~4%, efficiency in mid-30s, cost of risk/credit ~1.3%, ROE/ROAE 22–24%.
Guidance does not include potential impact from further interchange fee reductions.
NIM sensitivity to interest rate changes
Mortgage NPL trend and mitigation efforts
Fintec Law implementation challenges
Future efficiency gains from digital initiatives
Impact of political cycle on commercial loan growth
Interchange fee reduction: likelihood and impact
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Next Banco Santander-Chile earnings date
Q4 20253 Feb, 2026
Next Banco Santander-Chile earnings date
Q4 20253 Feb, 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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