Banco Santander-Chile filings document the disclosure record of a Chilean bank whose ADRs trade in the United States. The company's Form 6-K reports include material facts submitted under Chilean securities and banking rules, management commentary, audited consolidated financial statements, shareholder meeting resolutions, dividend actions, director elections, and local-market bond placements under CMF-registered credit lines.
Its annual Form 20-F reporting and related exhibits describe the bank's business environment, segment information, balance sheet, results of operations, capital and credit-risk metrics, responsible banking disclosures, securities issued by the bank, and governance matters relevant to a foreign private issuer.
Banco Santander-Chile reported that its board appointed Javier Maldonado Trinchant as an alternate director following alternate director Alfonso Gómez Morales’s resignation, submitted on September 10, 2026. The company said the board resolved the appointment at a meeting it identifies as September 10, 2026, and reported it as a material event.
Banco Santander-Chile (BSAC) reports unaudited consolidated financial information as of August 31, 2026, prepared under the Chilean Financial Market Commission’s Compendium of Accounting Standards for Banks. Total assets were MCh$ 71,738,399, primarily driven by loans and accounts receivable of MCh$ 40,392,379 and financial instruments of MCh$ 10,575,888.
Total operating income reached MCh$ 2,019,692, including net interest income of MCh$ 1,435,718 and net fee and commission income of MCh$ 384,264. After loan loss provisions of MCh$ 388,004, support expenses of MCh$ 621,860, and income tax expense of MCh$ 147,528, net income for the period was MCh$ 825,694, of which MCh$ 804,696 was attributable to equity holders of the bank.
Banco Santander Chile (BSAC) reports a governance change: alternate director Alfonso Gómez Morales has submitted his resignation from the Board of Directors, effective immediately, citing personal reasons. The resignation letter was received by the Chairman of the Board on September 10, 2026.
BANCO SANTANDER CHILE (BSAC) reports that on September 10, 2026 it placed dematerialized bearer bonds in the Chilean local market under its CMF-registered credit line number 20220013.
The placement corresponds to Series AA-14 bonds, ticker BSTD141223, for a total of 293,000 UF, maturing on December 1, 2028, with an average placement rate of 2.10%.
Banco Santander-Chile (BSAC) filed interim consolidated results for the six months ended June 30, 2026. The independent reviewer concluded it had not become aware of any matter indicating the financial information fails to present fairly the bank’s position and results under FMC standards.
Total assets reached Ch$70,323,331 million, up from Ch$68,094,956 million as of December 31, 2025, while total equity rose to Ch$5,138,320 million. Profit attributable to equity holders for the six months was Ch$655,759 million, up from Ch$550,355 million a year earlier, with basic earnings per share of Ch$3.48.
Net interest income increased to Ch$905,213 million and operating income before credit loss expenses to Ch$1,072,934 million. Credit loss expenses were broadly stable at Ch$285,583 million. Operating activities generated Ch$1,211,401 million in cash, and dividends paid for 2025 profits totaled Ch$631,925 million, equal to 60% of that year’s profit.
Banco Santander-Chile (BSAC) reports issuing a new bond under its EMTN Programme. As of August 19, 2026, with settlement on August 26, 2026, the Bank issued a USD 15 million bond maturing on August 26, 2031 at a rate of SOFR + 90 bps.
The disclosure is made as a material fact to provide truthful, sufficient and timely information regarding the Bank, its business and publicly offered securities in accordance with Chilean securities regulations.
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.