Banco Santander-Chile (BSAC) — Financial statements
Income statement, balance sheet, and cash flow for Banco Santander-Chile — annual and quarterly history with growth and margin analysis.
| Metric (CLP Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 4,660,076↓5.0% | 4,903,233↓6.1% | 5,221,783↑10.6% | 4,720,466↑39.9% | 3,373,626 | |
| Cost of Revenue | 2,384,239↓15.2% | 2,812,621↓22.6% | 3,633,727↑26.5% | 2,873,038↑105.1% | 1,400,974 | |
| Gross Profit | 2,275,837↑8.9% | 2,090,612↑31.6% | 1,588,056↓14.0% | 1,847,428↓6.3% | 1,972,652 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 752,670↑0.9% | 746,230↑7.3% | 695,639↓3.6% | 721,851↑6.9% | 675,333 | |
| Selling & Marketing Expenses | 21,103↓9.3% | 23,262↓1.2% | 23,555↓9.3% | 25,984↓1.3% | 26,321 | |
| SG&A Expenses | 773,773↑0.6% | 769,492↑7.0% | 719,194↓3.8% | 747,835↑6.6% | 701,654 | |
| Other Expenses | 256,649↑6.3% | 241,525↑36.1% | 177,477↓10.6% | 198,487↑0.8% | 196,906 | |
| Operating Expenses | 1,030,422↑1.9% | 1,011,017↑12.8% | 896,671↓5.2% | 946,322↑5.3% | 898,560 | |
| Total Costs & Expenses | 3,414,661↓10.7% | 3,823,638↓15.6% | 4,530,398↑18.6% | 3,819,360↑66.1% | 2,299,534 | |
| Operating Results | ||||||
| Operating Income | 1,245,415↑15.4% | 1,079,595↑56.1% | 691,385↓23.3% | 901,106↓16.1% | 1,074,092 | |
| Depreciation & Amortization | 135,159↓4.4% | 141,435↓1.6% | 143,762↑10.6% | 129,993↑6.5% | 122,055 | |
| EBITDA | 1,380,574↑13.1% | 1,221,030↑46.2% | 835,147↓19.0% | 1,031,099↓13.8% | 1,196,147 | |
| EBIT | 1,245,415↑15.4% | 1,079,595↑56.1% | 691,385↓23.3% | 901,106↓16.1% | 1,074,092 | |
| Interest & Other Income | ||||||
| Net Interest Income | 1,986,683↑11.2% | 1,786,786↑63.5% | 1,093,049↓30.4% | 1,570,112↓12.5% | 1,794,774 | |
| Interest Income | 3,795,609↓7.3% | 4,094,817↓7.0% | 4,403,991↑7.8% | 4,086,656↑40.7% | 2,904,520 | |
| Interest Expense | 1,808,926↓21.6% | 2,308,031↓30.3% | 3,310,942↑31.6% | 2,516,544↑126.8% | 1,109,746 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 1,245,415↑15.4% | 1,079,595↑56.1% | 691,385↓23.3% | 901,106↓16.1% | 1,074,092 | |
| Income Tax Expense | 207,362↓5.6% | 219,745↑125.3% | 97,548↑4.2% | 93,624↓57.8% | 221,664 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 1,038,053↑20.7% | 859,850↑44.8% | 593,837↓26.5% | 807,482↓5.3% | 852,428 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 1,021,650↑19.8% | 852,964↑47.2% | 579,427↓26.9% | 792,276↓6.0% | 842,467 | |
| Bottom-Line Net Income | 1,021,650↑19.8% | 852,964↑47.2% | 579,427↓26.9% | 792,276↓6.0% | 842,467 | |
| EPS (Basic) | 2,236.00↑23.4% | 1,812.00↑72.2% | 1,052.00↓37.4% | 1,680.00↓6.0% | 1,788.00 | |
| EPS (Diluted) | 2,236.00↑23.4% | 1,812.00↑72.2% | 1,052.00↓37.4% | 1,680.00↓6.0% | 1,788.00 | |
| Weighted Average Shares | 471↓0.0% | 471↑0.0% | 471↑0.0% | 471↑0.0% | 471 | |
| Weighted Average Diluted Shares | 471↓0.0% | 471↑0.0% | 471↑0.0% | 471↑0.0% | 471 | |
* All figures in Millions of CLP, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.