)
Visual
test
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
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebJ
Strong growth, digital innovation, and margin expansion drive robust multi-year financial outlook. - 6 Feb004020
Operating profit rose on cost savings and high-value sales, with major US expansion underway. - 6 FebJOUT
Net sales up 31%, gross margin at 36.6%, and net loss narrowed to $3.3 million. - 6 FebPECO
Record 2025 occupancy and 7% Core FFO growth; 2026 targets 5.5% FFO growth and strong acquisitions. - 6 FebPROV
Q2 FY2026 net income rose 65% year-over-year, with higher margins and strong credit quality. - 6 FebNVDA
AI-driven digital twins and accelerated computing are set to revolutionize industrial design and manufacturing. - 6 FebCDP
2025 FFO/share rose 5.8% to $2.72, with strong leasing and investment; 2026 guidance signals more growth. - 6 FebCRI
Q1 2025 saw record revenue, a return to profit, and major new contracts in space technology. - 6 FebCRINet loss widened to 7.5m PLN in H1 2024 as revenue fell and R&D costs remained high.
- 6 FebCRINet loss deepened on lower sales and higher costs, but major new contracts and restructuring are underway.
Next Banco Santander-Chile earnings date
Q1 202628 Apr, 2026
Banco Santander-Chile
Next Banco Santander-Chile earnings date
Q1 202628 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage