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Banco Santander-Chile reported summarized consolidated financial information as of July 31, 2026, prepared in millions of Chilean pesos under the Compendium of Accounting Standards for Banks issued by the Financial Market Commission (FMC).
Total assets were MCh$71,284,580, including loans and accounts receivable from customers and banks of MCh$40,253,784, financial instruments of MCh$10,119,403, and financial derivative contracts of MCh$11,335,439. Deposits and other demand liabilities were MCh$13,658,488, time deposits and other time liabilities MCh$18,956,443, and issued debt and regulatory capital instruments MCh$9,811,226. Total equity was MCh$5,111,409, of which MCh$4,945,116 was attributable to equity holders of the bank.
For the period ended July 2026, net interest income was MCh$1,271,737 and net fee and commission income MCh$340,344, leading to total operating income of MCh$1,788,460. After provision for loan losses of MCh$335,477, support expenses of MCh$541,993, and income tax expense of MCh$130,293, net income for the period was MCh$747,609, with MCh$728,829 attributable to equity holders of the bank and MCh$18,780 to non-controlling interest.
Banco Santander-Chile reported the issuance of a new bond in the Swiss market. As of August 11, 2026, the bank issued a CHF 100 million bond under its EMTN Programme, with a settlement date of August 26, 2026. The bond matures on August 26, 2031 and carries a yield of 1.2575%. This transaction is disclosed as a material fact under Chilean securities market regulations.
Banco Santander-Chile reports the placement of dematerialized bearer bonds in the Chilean local market on August 11, 2026, under its line of credit registered with the CMF Securities Registry number 20240007 dated April 30, 2025. The issuance consists of Series BM bonds, ticker BSTDBM0426, with a total principal of Ch$ 5,000,000,000, maturing on April 1, 2037. The average placement rate for this series was 6.25%.
Banco Santander Chile delivered strong results for the period to June 30, 2026. Net income attributable to owners reached CLP 383 billion in 2Q26, up 40% quarter-on-quarter, with a quarterly ROAE of 31.5% and 2Q26 EPS of CLP 2.00 (US$0.90 per ADR). For 6M26, net income was CLP 656 billion, 19.2% higher year-on-year, implying a 6M26 ROAE of 27.2%.
Profitability was boosted by inflation-linked income: net interest and UF-linked income grew 26.9% QoQ and the NIM rose to 4.7% in 2Q26. The efficiency ratio improved to 30.8% in 2Q26 and 31.6% in 6M26, as operating expenses fell 4.3% year-on-year. Total loans increased 1.3% QoQ, driven by commercial, mortgage and auto lending, while total deposits grew 4.5% QoQ and customer funds 4.0%.
Asset quality remains manageable in a weak macro backdrop: the NPL ratio rose to 3.4% with coverage of 107.6% and a 2Q26 cost of credit of 1.22%. Capital and liquidity are solid, with a CET1 ratio of 11.1%, BIS ratio of 16.6%, LCR of 177.1% and NSFR of 118.2%. Management now targets 2026 ROAE above 24%, NIM around 4.1% and efficiency in the low 30% range, assuming mid single-digit loan growth.
Banco Santander-Chile reports summarized consolidated results as of June 30, 2026. Total assets reached MCh$70,323,331, mainly driven by loans and accounts receivable from customers and banks of MCh$40,043,227 and financial instruments of MCh$10,810,480.
For the period, the bank generated net income of MCh$672,301, on total operating income of MCh$1,562,489. Net interest income was MCh$1,110,502 and net fee and commission income MCh$296,322. Equity attributable to equity holders of the bank totaled MCh$4,974,214, with non-controlling interest of MCh$164,106.
Banco Santander-Chile issued a dollar-denominated bond for USD 10,000,000 under its EMTN program. The bond settles on July 15, 2026 and matures on July 15, 2031, with a placement rate set at SOFR+89, indicating interest payments linked to the secured overnight financing rate plus a fixed spread.
Banco Santander-Chile furnished an English free translation of its updated bylaws, outlining how the bank is organized and governed. The bylaws confirm capital of Ch$891,302,881,691 divided into 188,446,126,794 registered, no-par-value shares in a single series, fully subscribed and paid.
The document details the board’s structure (nine regular and two alternate directors with three-year, renewable terms), responsibilities of the General Manager, rules for shareholder meetings, profit distribution priorities, conditions for dissolution and liquidation, and an arbitration mechanism for resolving disputes between the bank, shareholders, and directors.
Banco Santander-Chile reported summarized unaudited consolidated results as of May 31, 2026, prepared under Chilean banking accounting standards issued by the Financial Market Commission.
Total assets reached MCh$70,803,743, mainly from loans and accounts receivable from customers and banks of MCh$39,919,426, financial instruments of MCh$9,922,047, and financial derivative contracts of MCh$10,621,392. Total liabilities and equity matched this amount.
On the income side, total operating income was MCh$1,294,640, driven by net interest income of MCh$911,931, net fee and commission income of MCh$253,100, and results from financial operations of MCh$129,609. After provision for loan losses of MCh$233,490, support expenses of MCh$381,683, other results, and income tax expense of MCh$88,259, net income for the period was MCh$570,494, of which MCh$557,020 was attributable to equity holders of the Bank and MCh$13,474 to non-controlling interest.
Banco Santander-Chile reported that on May 28, 2026 it placed a new series of bonds in the local Chilean market under its existing CMF-registered credit line. The Series BF bonds, ticker BSTDBM0426, total Ch$ 80,000,000,000, carry an average placement rate of 6.24% and mature on April 1, 2037. These are dematerialized bearer bonds placed using the line of credit registered in the CMF Securities Registry under number 20240007 on April 30, 2025.
Banco Santander-Chile reported that it placed new bonds in the local Chilean market. On May 20, 2026, the bank issued dematerialized bearer bonds under its line of credit registered with the CMF Securities Registry number 20240007.
The placement covered Series BF bonds (ticker BSTDBF0325) for a total of Ch$ 10,500,000,000, maturing on September 1, 2031. The average placement rate was 6.00%, providing the bank with medium-term local currency funding through the Chilean capital market.