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BSAC FINANCIAL STATEMENTS

Banco Santander Chile — balance sheet, income statement and cash flow trends

BSACBanco Santander Chile

🇺🇸 USA · US · Financial Services · Banks - Regional

Value itDuel
PriceFinancialsPeers

Income Statement

Quarterly progression — trailing-twelve-month values
RevenueNet Income
02 T4 T202120222023202420252026

Profit Funnel

Q1 2026 · TTM
Revenue4.8 T CLPGross Profit3 T CLP · 62%Operating Income1.2 T CLP · 26%Pre-tax Income1.2 T CLP · 26%Net Income1 T CLP · 21%

Percentages are relative to revenue.

Key Figures

YoY change
Revenue4.8 T CLP+18.2%
Gross Profit3 T CLP+36.4%
Operating Income1.2 T CLP-2.9%
EBITDA1.4 T CLP-0.9%
Net Income1 T CLP+0.6%

Peer Comparison· Banks - Regional

CompanyRev. GrowthGross MarginEBITDA MarginNet Margin
BSAC———21.1%
Industry median—67.2%20.4%20.6%

Balance Sheet

Quarterly period-end values
Total AssetsTotal LiabilitiesEquity
025 T50 T75 T202120222023202420252026

Capital Structure

Q1 2026
Total Assets69.9 T
  • Equity4.7 T CLP7%
  • Current Liabilities54.7 T CLP78%
  • Long-term Liabilities10.3 T CLP15%

Key Figures

YoY change
Total Assets69.9 T CLP+4.2%
Total Liabilities65 T CLP+3.9%
Total Equity4.7 T CLP+7.7%
Cash & ST Investments1.9 T CLP-71.3%
Total Debt47.7 T CLP+265.4%
Net Debt45.8 T CLP+351.5%

Peer Comparison· Banks - Regional

CompanyCurrent RatioDebt/EquityNetDebt/EBITDAEquity/Assets
BSAC1.201,006.3%33.166.8%
Industry median0.3138.0%-0.5811.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values
Operating Cash FlowCapital ExpendituresFree Cash Flow
-5 T0202120222023202420252026

Cash Flow Bridge

Q1 2026 · TTM
0500 B862.5 B CLPOperating-489.2 B CLPInvesting-429.7 B CLPFinancing-56.4 B CLPNet Change

Key Figures

YoY change
Operating Cash Flow862.5 B CLP+169.5%
Capital Expenditures94.7 B CLP+240.7%
Free Cash Flow767.7 B CLP+162.7%
Dividends Paid-596.9 B CLP-271.8%

Peer Comparison· Banks - Regional

CompanyCF MarginFCF MarginCapEx RatioCF/Net Income
BSAC17.9%15.9%2.0%84.8%
Industry median23.6%22.1%1.5%111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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