Banco Santander-Chile posts April 2026 results
Banco Santander-Chile reports summarized unaudited consolidated results as of April 30, 2026, prepared under the Chilean Financial Market Commission’s banking accounting standards, which are largely aligned with IFRS.
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Form Type
6-K
Rhea-AI Filing Summary
Banco Santander-Chile reports summarized unaudited consolidated results as of April 30, 2026, prepared under the Chilean Financial Market Commission’s banking accounting standards, which are largely aligned with IFRS. Total assets reached MCh$70,131,012, mainly driven by loans and accounts receivable from customers and banks of MCh$39,556,240 and financial instruments of MCh$10,426,801.
On the liability side, deposits and other demand liabilities were MCh$15,253,676, time deposits and other time liabilities were MCh$16,485,732, and issued debt and regulatory capital instruments totaled MCh$10,039,874. Total equity was MCh$4,951,239, of which MCh$4,793,547 was attributable to equity holders of the bank.
For the period, the bank generated net interest income of MCh$683,687 and net fee and commission income of MCh$206,138, with total operating income of MCh$990,554. After a MCh$204,252 provision for loan losses, support expenses of MCh$303,556, and income tax expense of MCh$66,194, net income for the period was MCh$398,843, including MCh$388,328 attributable to equity holders of the bank and MCh$10,515 to non-controlling interests.
Key Figures
Total assets: MCh$70,131,012
Loans and accounts receivable: MCh$39,556,240
Total equity: MCh$4,951,239
+5 more
8 metrics
Total assets
MCh$70,131,012
As of April 30, 2026
Loans and accounts receivable
MCh$39,556,240
Customers and banks, net, as of April 30, 2026
Total equity
MCh$4,951,239
Consolidated equity as of April 30, 2026
Net interest income
MCh$683,687
For the reported period
Total operating income
MCh$990,554
For the reported period
Provision for loan losses
MCh$204,252
Charge for the reported period
Net income
MCh$398,843
Consolidated net income for the period
Equity holders’ share of income
MCh$388,328
Net income attributable to equity holders of the bank
Key Terms
Net interest income, Provision for loan losses, Financial Market Commission (FMC), International Financial Reporting Standards (IFRS), +1 more
5 terms
Net interest income financial
"Net interest income 683,687"
Net interest income is the difference between the interest a financial institution earns on loans and investments and the interest it pays on deposits and borrowings. It matters to investors because it is a primary source of profit for banks and similar firms — like the gross margin on a store’s trade — and changes with loan growth, deposit costs and interest rates, so it signals core earning power and sensitivity to rate moves.
Provision for loan losses financial
"Provision for loan losses (204,252)"
An allowance banks and lenders record as an expense to cover loans they expect borrowers may not repay; think of it as money set aside like a household emergency fund for possible unpaid bills. It matters to investors because larger provisions reduce reported profit and can signal rising credit stress or conservative accounting, while smaller provisions can boost earnings but may hide future losses, affecting a lender’s health and capital position.
Financial Market Commission (FMC) regulatory
"issued by the Financial Market Commission (FMC), The accounting principles"
International Financial Reporting Standards (IFRS) financial
"coincide with International Financial Reporting Standards (IFRS) issued by the International"
A set of globally accepted accounting rules companies use to prepare financial statements so their numbers speak the same language across borders. For investors, IFRS matters because it makes it easier to compare profitability, assets and liabilities between companies the way a common recipe or measuring tape lets you judge two cakes or two rooms fairly, which helps assess value and risk more reliably.
regulatory capital instruments financial
"Issued debt and regulatory capital instruments 10,039,874"
FAQ
AI-generated questions and answers. How Rhea-AI works. Not financial advice.
What period does Banco Santander-Chile (BSAC) cover in this 6-K filing?
The report covers summarized consolidated financial information as of April 30, 2026. It presents principal balance sheet items and accumulated results for the period in millions of Chilean pesos, under accounting standards issued by the Financial Market Commission.
What are Banco Santander-Chile (BSAC) total assets and equity as of April 30, 2026?
Total assets are MCh$70,131,012 and total equity is MCh$4,951,239. Of this equity, MCh$4,793,547 is attributable to the bank’s equity holders, with MCh$157,692 attributable to non-controlling interests, giving a snapshot of the bank’s capital base.
How much net income did Banco Santander-Chile (BSAC) generate for the period?
Net income for the period was MCh$398,843. Of this amount, MCh$388,328 is attributable to equity holders of the bank and MCh$10,515 to non-controlling interests, reflecting the consolidated profitability of the group for the reported period.
What were Banco Santander-Chile (BSAC) main revenue components for the period?
Key revenue components were net interest income of MCh$683,687, net fee and commission income of MCh$206,138, and result from financial operations of MCh$100,729. These items together produced total operating income of MCh$990,554 for the period.
What loan loss provisions did Banco Santander-Chile (BSAC) record in this period?
The bank recorded a provision for loan losses of MCh$204,252. This charge reduces operating income and reflects expected credit losses in the loan portfolio, as part of its risk management and regulatory capital considerations under local banking standards.
Which accounting standards does Banco Santander-Chile (BSAC) use in this report?
The unaudited figures follow the Compendium of Accounting Standards for Banks issued by the Financial Market Commission. These principles are substantially similar to IFRS, and where not covered, Chilean generally accepted accounting principles aligned with IFRS are applied.
AI-generated analysis. How Rhea-AI works. Not financial advice.
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Washington, D.C. 20549
Form 6-K
Report of Foreign Issuer
Pursuant to Rule 13a-16 or 15d-16 of
the Securities Exchange Act of 1934
the Securities Exchange Act of 1934
For the month of May, 2026
Commission File Number: 001-14554
Banco Santander-Chile
Santander-Chile Bank
(Translation of Registrant’s Name into English)
Bandera 140, 20th floor
Santiago, Chile
Telephone: 011-562-320-2000
(Address of principal executive office)
Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:
Form 20-F ☒ Form 40-F ☐
EXHIBIT INDEX
| EXHIBIT NO. | DESCRIPTION | |||||||
| 99.1 | Banco Santander- Chile and Subsidiaries Consolidated Financial Information | |||||||
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
| BANCO SANTANDER-CHILE | ||||||||
| By: | /s/ Cristian Florence | |||||||
| Name: | Cristian Florence | |||||||
| Title: | General Counsel | |||||||
Date: May 13, 2026
SUMMARIZED CONSOLIDATED STATEMENTS OF FINANCIAL POSITION SUMMARIZED CONSOLIDATED STATEMENTS OF INCOME FOR THE PERIOD Principal assets MCh$ Operational results MCh$ Cash and deposits in banks 1,703,551 Net interest income 683,687 Loans and accounts receivables from customers and banks, net 39,556,240 Net fee and commission income 206,138 Loans and accounts receivables from customers at fair value, net 367,937 Result from financial operations 100,729 Financial instruments 10,426,801 Total operating income 990,554 Financial derivative contracts 10,900,153 Provision for loan losses (204,252) Other asset ítems 7,176,330 Support expenses (303,556) Total assets 70,131,012 Other results (17,709) Income before tax 465,037 Principal liabilities MCh$ Income tax expense (66,194) Deposits and other demand liabilities 15,253,676 Net income for the period 398,843 Time deposits and other time liabilities 16,485,732 Issued debt and regulatory capital instruments 10,039,874 Attributable to: Financial derivative contracts 11,082,048 Equity holders of the Bank 388,328 Other liabilities ítems 12,318,443 Non-controlling interest 10,515 Total equity 4,951,239 Total liabilities and Equity 70,131,012 Equity attributable to: Equity holders of the Bank 4,793,547 Non-controlling interest 157,692 BANCO SANTANDER-CHILE AND SUBSIDIARIES CONSOLIDATED FINANCIAL INFORMATION As of April 30, 2026 The principal balances and results accumulated for the period ending April 2026 (amounts in millions of Chilean pesos). JONATHAN COVARRUBIAS H. ANDRES TRAUTMANN B. Chief Accounting Officer Chief Executive Officer
B ESTADO DE SITUACIÓN FINANCIERA CONSOLIDADO RESUMIDO ESTADO DE RESULTADOS CONSOLIDADO DEL PERIODO RESUMIDO Principales rubros del activo MM$ Resultados operacionales MM$ Efectivo y depósitos en bancos 1.703.551 Ingresos netos por intereses y reajustes 683.687 Créditos y cuentas por cobrar a clientes y bancos 39.556.240 Ingresos netos de comisiones 206.138 Créditos y cuentas por cobrar a clientes a valor razonable 367.937 Resultado de operaciones financieras 100.729 Instrumentos financieros 10.426.801 Total ingresos operacionales 990.554 Contratos de derivados financieros 10.900.153 Gasto de pérdidas crediticias (204.252) Otros rubros del activo 7.176.330 Gastos de apoyo (303.556) Total Activos 70.131.012 Otros resultados (17.709) Resultado antes de impuesto 465.037 Principales rubros del pasivo MM$ Impuesto a la renta (66.194) Depósitos y otras obligaciones a la vista 15.253.676 Utilidad consolidada del periodo 398.843 Depósitos y otras captaciones a plazo 16.485.732 Instrumentos de deuda y capital regulatorio emitidos 10.039.874 Resultado atribuible a: Contratos de derivados financieros 11.082.048 Tenedores patrimoniales del Banco 388.328 Otros rubros del pasivo 12.318.443 Interés no controlador 10.515 Total patrimonio 4.951.239 Total Pasivos y Patrimonio 70.131.012 Patrimonio atribuible a: Tenedores patrimoniales del Banco 4.793.547 Interés no controlador 157.692 BANCO SANTANDER-CHILE Y AFILIADAS INFORMACIÓN FINANCIERA CONSOLIDADA Al 30 de Abril de 2026 A continuación, se presentan los principales saldos de balance y resultados acumulados por el periodo de cierre de mes de Abril de 2026 (cifras en millones de pesos). JONATHAN COVARRUBIAS H. ANDRES TRAUTMANN B. Gerente de Contabilidad Gerente General
IMPORTANT NOTICE The unaudited financial information has been prepared in accordance with the Compendium of Accounting Standards for Banks effective from January 1, 2022 issued by the Financial Market Commission (FMC), The accounting principles issued by the FMC are substantially similar to IFRS but there are some exceptions, The FMC is the banking industry regulator according to article 2 of the General Banking Law, which by General Regulation establishes the accounting principles to be used by the banking industry, For those principles not covered by the Compendium of Accounting Standards for Banks, banks can use generally accepted accounting principles issued by the Chilean Accountant’s Association AG which coincide with International Financial Reporting Standards (IFRS) issued by the International Accounting Standards Board (IASB), If discrepancies exist between the accounting principles issued by the FMC (Compendium of Accounting Standards for Banks) and IFRS the Compendium of Accounting Standards for Banks will take precedence, ¿Qué podemos hacer por ti hoy?