Banco Santander-Chile (BSAC) Balance Sheet: Assets & Liabilities

Banco Santander-Chile (BSAC) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Banco Santander-Chile reported total assets of CLP 68.15T and total liabilities of CLP 62.41T. Shareholders' equity was CLP 5.62T, up 6.9% from CLP 5.25T a year earlier. Total debt stood at CLP 15.88T against CLP 6.64T in cash and short-term investments, a net debt position of CLP 9.24T. That puts debt-to-equity at 2.83, compared with 2.79 a year earlier.

Banco Santander-Chile Balance Sheet Analysis

Values in trillions CLP

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Banco Santander-Chile (BSAC) - 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
Current Assets
Cash and Cash Equivalents	5.24	5.12	5.78	5.27	2.60	3.87	4.22	2.59	2.45
Short-Term Investments	1.40	1.95	3.44	6.03	5.87	7.30	4.28	2.47	2.57
Cash & Short-Term Investments	6.64	7.61	10.52	11.30	11.14	11.16	8.51	5.06	5.02
Accounts Receivable	0.10	0.21	0.20	0.51	0.30	0.20	0.27	0.19	1.56
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.05	0.08	0.00	0.00	0.32	0.00	0.00	0.48	0.10
Total Current Assets	6.79	8.98	10.90	11.81	11.76	11.37	8.78	5.73	6.67
Non-Current Assets
Property, Plant & Equipment (Net)	0.27	0.31	0.35	0.37	0.37	0.39	0.41	0.25	0.24
Long-Term Investments	56.02	0.06	0.06	10.98	0.04	7.37	4.36	32.55	3.14
Intangible Assets	0.09	0.09	0.10	0.11	0.10	0.08	0.07	0.07	0.06
Other Non-Current Assets	4.59	0.08	-0.55	-0.64	0.23	0.00	-0.46	0.14	-0.37
Total Non-Current Assets	61.36	59.42	13.42	11.46	52.09	7.84	4.84	33.40	3.45
Total Assets	68.15	68.40	70.78	68.42	63.84	55.70	50.57	39.13	35.80
Current Liabilities
Accounts Payable	0.65	0.53	0.49	0.60	0.38	0.38	0.38	0.34	0.37
Short-Term Debt	2.76	0.29	0.30	0.34	0.11	0.00	0.00	0.05	0.00
Accrued Liabilities	0.64	0.61	-	-	-	-	-	-	-
Deferred Revenue	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00
Other Current Liabilities	29.31	29.79	-0.58	-0.69	26.27	-0.16	-0.16	21.84	-0.17
Total Current Liabilities	32.72	30.69	0.51	0.44	27.02	0.24	0.22	22.24	0.21
Non-Current Liabilities
Long-Term Debt	13.12	14.38	14.13	10.56	8.40	14.69	13.60	10.12	8.81
Deferred Tax Liabilities	0.00	0.00	0.00	0.38	0.43	0.13	0.10	0.02	0.01
Other Non-Current Liabilities	16.57	17.92	0.00	0.00	21.69	0.00	0.00	3.51	0.00
Total Non-Current Liabilities	29.69	32.36	12.62	10.94	32.39	14.83	13.70	13.65	8.82
Total Liabilities	62.41	63.04	65.44	63.46	59.41	52.00	47.10	35.89	32.70
Stockholders' Equity
Common Stock	0.89	0.89	0.89	0.89	0.89	0.89	0.89	0.89	0.89
Retained Earnings	0.66	0.50	0.56	0.68	0.65	0.41	0.39	0.37	0.40
Accumulated Other Comprehensive Income	3.39	3.17	3.16	2.69	-0.35	2.32	2.11	1.04	1.78
Additional Paid-in Capital	0.00	0.69	0.61	0.59	0.60	0.00	0.00	0.89	0.00
Minority Interest	0.12	0.10	0.12	0.11	0.09	0.08	0.08	0.05	0.04
Shares Outstanding	0.19	0.19	0.19	0.19	0.19	-	-	-	-
Total Stockholders' Equity	5.62	5.25	5.22	4.85	4.43	3.62	3.40	3.20	3.07
Total Liabilities & Equity	68.09	68.40	70.78	68.42	63.84	55.70	50.57	39.13	35.80

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 Balance Sheet

How much debt does Banco Santander-Chile have?

Banco Santander-Chile had total debt of CLP 15.88T as of Dec 31, 2025, against CLP 6.64T in cash and short-term investments. Its debt-to-equity ratio was 2.83. Total debt was CLP 14.67T a year earlier.

What are Banco Santander-Chile's total assets?

Banco Santander-Chile reported total assets of CLP 68.15T as of Dec 31, 2025, down 0.4% from CLP 68.40T a year earlier. Total liabilities were CLP 62.41T.

What is Banco Santander-Chile's shareholders' equity?

Banco Santander-Chile's shareholders' equity was CLP 5.62T as of Dec 31, 2025, or about CLP 29.80 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition