Banco Santander-Chile (NYSE: BSAC) reports January 2026 profit

Rhea-AI Filing Summary

Banco Santander-Chile filed a Form 6-K presenting unaudited consolidated figures as of January 31, 2026 in millions of Chilean pesos. Total assets reached MCh$70,407,055, mainly driven by loans and accounts receivable from customers and banks of MCh$39,327,929 and financial instruments of MCh$9,584,447.

Deposits and other demand liabilities were MCh$13,542,997, time deposits and other time liabilities MCh$17,315,873, and issued debt and regulatory capital instruments MCh$10,574,835. Total equity was MCh$4,868,742, of which MCh$4,747,621 was attributable to equity holders of the bank.

For the period, the bank generated MCh$230,445 in total operating income, including net interest income of MCh$150,243 and net fee and commission income of MCh$49,826. After a provision for loan losses of MCh$44,892 and income tax expense of MCh$22,903, net income for the period was MCh$85,380, with MCh$84,256 attributable to equity holders.

SECURITIES AND EXCHANGE COMMISSION
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

For the month of February, 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: February 11, 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 2,709,500 Net interest income 150,243 Loans and accounts receivables from customers and banks, net 39,327,929 Net fee and commission income 49,826 Loans and accounts receivables from customers at fair value, net 305,022 Result from financial operations 30,376 Financial instruments 9,584,447 Total operating income 230,445 Financial derivative contracts 12,092,752 Provision for loan losses (44,892) Other asset ítems 6,387,405 Support expenses (73,694) Total assets 70,407,055 Other results (3,576) Income before tax 108,283 Principal liabilities MCh$ Income tax expense (22,903) Deposits and other demand liabilities 13,542,997 Net income for the period 85,380 Time deposits and other time liabilities 17,315,873 Issued debt and regulatory capital instruments 10,574,835 Attributable to: Financial derivative contracts 12,609,564 Equity holders of the Bank 84,256 Other liabilities ítems 11,495,044 Non-controlling interest 1,124 Total equity 4,868,742 Total liabilities and Equity 70,407,055 Equity attributable to: Equity holders of the Bank 4,747,621 Non-controlling interest 121,121 BANCO SANTANDER-CHILE AND SUBSIDIARIES CONSOLIDATED FINANCIAL INFORMATION As of January 31, 2026 The principal balances and results accumulated for the period ending January 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 2.709.500 Ingresos netos por intereses y reajustes 150.243 Créditos y cuentas por cobrar a clientes y bancos 39.327.929 Ingresos netos de comisiones 49.826 Créditos y cuentas por cobrar a clientes a valor razonable 305.022 Resultado de operaciones financieras 30.376 Instrumentos financieros 9.584.447 Total ingresos operacionales 230.445 Contratos de derivados financieros 12.092.752 Gasto de pérdidas crediticias (44.892) Otros rubros del activo 6.387.405 Gastos de apoyo (73.694) Total Activos 70.407.055 Otros resultados (3.576) Resultado antes de impuesto 108.283 Principales rubros del pasivo MM$ Impuesto a la renta (22.903) Depósitos y otras obligaciones a la vista 13.542.997 Utilidad consolidada del periodo 85.380 Depósitos y otras captaciones a plazo 17.315.873 Instrumentos de deuda y capital regulatorio emitidos 10.574.835 Resultado atribuible a: Contratos de derivados financieros 12.609.564 Tenedores patrimoniales del Banco 84.256 Otros rubros del pasivo 11.495.044 Interés no controlador 1.124 Total patrimonio 4.868.742 Total Pasivos y Patrimonio 70.407.055 Patrimonio atribuible a: Tenedores patrimoniales del Banco 4.747.621 Interés no controlador 121.121 BANCO SANTANDER-CHILE Y AFILIADAS INFORMACIÓN FINANCIERA CONSOLIDADA Al 31 de Enero de 2026 A continuación, se presentan los principales saldos de balance y resultados acumulados por el periodo de cierre de mes de Enero 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?

FAQ

What were Banco Santander-Chile (BSAC) total assets as of January 31, 2026?

Banco Santander-Chile reported total assets of MCh$70,407,055 as of January 31, 2026. These assets were mainly composed of MCh$39,327,929 in loans and accounts receivable, MCh$9,584,447 in financial instruments, and MCh$12,092,752 in financial derivative contracts.

How profitable was Banco Santander-Chile (BSAC) for the January 2026 period?

The bank generated net income of MCh$85,380 for the period ending January 31, 2026. Income before tax was MCh$108,283, with MCh$22,903 in income tax expense, and MCh$84,256 of net income attributable to equity holders of the bank.

What operating income did Banco Santander-Chile (BSAC) report for January 2026?

Total operating income reached MCh$230,445 for the period ending January 31, 2026. This included MCh$150,243 in net interest income, MCh$49,826 in net fee and commission income, and MCh$30,376 from financial operations, before credit losses and support expenses.

How large is Banco Santander-Chile (BSAC) loan portfolio in this filing?

Loans and accounts receivable from customers and banks totaled MCh$39,327,929 net as of January 31, 2026. An additional MCh$305,022 related to loans and accounts receivable from customers measured at fair value, highlighting the central role of lending in the bank’s balance sheet.

What were Banco Santander-Chile (BSAC) deposits and issued debt balances?

Deposits and other demand liabilities were MCh$13,542,997 and time deposits MCh$17,315,873. Issued debt and regulatory capital instruments totaled MCh$10,574,835, reflecting the bank’s funding mix across deposits and market instruments at January 31, 2026.

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 Chile’s Financial Market Commission. These principles are substantially similar to IFRS, but where differences exist, the Compendium prevails over IFRS for the bank’s reporting.

Filing Exhibits & Attachments

2 documents

Press Releases

• EX-99.1 EX-99.1 6.0 KB
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