Banco Santander-Chile (BSAC) Financial Statements & Analysis

Banco Santander-Chile (BSAC) Income Statement

Banco Santander-Chile reported revenue of CLP 4.66T in fiscal 2025 (fiscal year ended Dec 31, 2025), down 5.0% from CLP 4.90T a year earlier. Net income was CLP 1.02T, up 19.8% year over year, a net margin of 21.9%. Gross margin was 48.8% and operating margin 26.7%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was CLP 831.72B, up 41.2% from the same quarter a year earlier.

Banco Santander-Chile Income Statement Analysis

Values in trillions CLP

Income Statement Balance Sheet Cash Flow Ratios

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Banco Santander-Chile income statement - Annual data in trillions CLP
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	4.66	4.90	5.22	1.86	3.37	2.68	2.81	2.64	2.47
Cost of Revenue	2.38	2.81	3.63	2.87	1.40	1.12	1.23	1.15	1.03
Gross Profit	2.28	2.09	1.59	1.85	1.97	1.56	1.58	1.50	1.44
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	0.77	0.77	0.72	0.31	0.70	0.67	0.64	0.60	0.60
Operating Expenses	1.03	1.01	0.90	0.95	0.90	0.86	0.79	0.73	0.72
Operating Income	1.25	1.08	0.69	0.90	1.07	0.70	0.79	0.76	0.72
Other Income/Expense
Interest Income	3.80	4.09	4.40	4.09	2.90	2.23	2.32	2.24	2.06
Interest Expense	1.81	2.31	3.31	2.52	1.11	0.64	0.90	0.83	0.73
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	1.25	1.08	0.69	0.90	1.07	0.70	0.79	0.76	0.72
Income Tax Expense	0.21	0.22	0.10	0.09	0.22	0.14	0.18	0.17	0.15
Net Income	1.02	0.85	0.58	0.81	0.84	0.55	0.62	0.60	0.56
Net Income - Continuous Operations	1.02	0.85	0.58	0.79	0.84	0.55	0.62	0.60	0.56
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	1.38	1.22	0.84	0.13	1.20	0.80	0.90	0.84	0.80
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.14	0.14	0.14	0.13	0.12	0.11	0.11	0.08	0.08
Earnings Per Share
Basic EPS	2236.00	1812.00	1052.00	4.00	1788.00	1164.00	1316.00	1256.00	1200.00
Diluted EPS	2236.00	1812.00	1052.00	1682.00	1788.00	1164.00	1316.00	1256.00	1200.00
Basic Shares Outstanding	0.00	0.00	0.00	0.19	0.00	0.00	0.00	0.00	0.00
Diluted Shares Outstanding	0.00	0.00	0.00	0.19	0.00	0.00	0.00	0.00	0.00

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Banco Santander-Chile Financial Statements

What was Banco Santander-Chile's revenue in fiscal 2025?

Banco Santander-Chile reported revenue of CLP 4.66T in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 5.0% from CLP 4.90T a year earlier.

Is Banco Santander-Chile profitable?

Yes. Banco Santander-Chile earned net income of CLP 1.02T in fiscal 2025, a net margin of 21.9%. In fiscal 2024 it earned CLP 852.96B.

What is Banco Santander-Chile's operating margin?

Banco Santander-Chile's operating income was CLP 1.25T on revenue of CLP 4.66T in fiscal 2025, an operating margin of 26.7%, compared with 22.0% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition