Banco Santander-Chile GAAP EPADR of $0.59, revenue of Ch$423.49B; initiates FY outlook
Financial Performance: Banco Santander-Chile reported a Q4 GAAP EPADR of $0.59, with revenues increasing by 68.2% year-over-year to Ch$423.49B and a quarterly ROAE of 26.0%, maintaining above 20% for three consecutive quarters.
Market Analysis: The bank's efficiency ratio stood at 36.5%, while the cost to assets ratio rose to 1.5%. Additionally, BofA downgraded Credicorp and BSAC, suggesting that stronger fundamentals are already reflected in the stock prices.
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Banco Santander-Chile Reports Strong FY 2025 Financials
- Earnings Performance: Banco Santander-Chile reported a non-GAAP EPS of $2.48 for FY 2025, indicating strong profitability and reflecting its robust performance and growth potential in the market.
- Asset Growth: As of December 31, 2025, the bank's total assets reached CLP 68,094,956 million (approximately $75.6 million), demonstrating effective asset management and enhanced market competitiveness.
- Loan and Deposit Metrics: Total gross loans, including interbank loans, amounted to CLP 40,932,880 million (about $45.4 million), while total deposits stood at CLP 30,569,372 million (around $33.9 million), showcasing solid liquidity and customer trust.
- Capital Adequacy Ratios: The bank's BIS capital ratio was 16.9%, with a core capital ratio of 11.0%, which not only meets regulatory requirements but also provides strong support for future expansion and risk management.
Banco Santander Chile to Release Q4 2025 Financial Results on February 5
- Earnings Call Schedule: Banco Santander Chile will hold a conference call on February 5, 2026, at 9:00 AM NY time to discuss its Q4 2025 financial results, which is expected to significantly impact investor sentiment.
- Management Participation: The call will feature CFO Patricia Pérez, Chief Strategy Officer Cristian Vicuña, and Economist Lorena Palomeque, ensuring comprehensive financial analysis and market outlook for stakeholders.
- Quiet Period Notification: The company will enter a quiet period starting January 16, 2026, during which no financial discussions will occur, maintaining confidentiality and compliance with regulatory standards.
- Financial Health Overview: As of September 30, 2025, Banco Santander Chile reported total assets of $68.24 billion, gross loans of $44.00 billion, and total deposits of $31.52 billion, reflecting a solid financial foundation in the Latin American market.
Banco Santander Chile to Release 4Q 2025 Financial Results on February 5
- Earnings Call Schedule: Banco Santander Chile will hold a conference call on February 5, 2026, at 9:00 AM NY time to discuss its 4Q 2025 financial results, which is expected to positively impact investor confidence.
- Management Participation: The call will feature CFO Patricia Pérez and Chief Strategy Officer Cristian Vicuña, providing in-depth financial analysis and market outlook, thereby enhancing transparency and investor relations.
- Asset and Loan Metrics: As of September 30, 2025, Santander Chile reported total assets of $68.24 billion and gross loans of $44.00 billion, indicating robust growth and an increase in market share in the Latin American market.
- Capital Adequacy Ratios: The bank's capital ratio stands at 16.7% with a core capital ratio of 10.8%, reflecting a strong financial position that supports future business expansion and risk management strategies.
Banco Santander-Chile Reports Earnings for Third Quarter 2025
Financial Performance: Banco Santander Chile reported a net income of $798 billion for the nine-month period ending September 30, 2025, marking a 37.3% year-over-year increase and achieving a return on average equity (ROAE) of 24.0%.
Customer Growth and Digital Strategy: The bank's customer base grew by 8.7% year-over-year, reaching approximately 4.6 million customers, with nearly 2.3 million being digital customers, reflecting the success of its digital product strategy.
Efficiency and Commissions: The efficiency ratio improved to 35.9%, and net commissions increased by 8.0%, indicating that over half of the bank's expenses are now funded by customer-generated commissions.
Capital Ratios and Ratings: The Common Equity Tier 1 (CET1) ratio stood at a solid 10.8%, with the bank maintaining high credit ratings from various agencies, all with a stable outlook.
JP Morgan Keeps Neutral Rating on Banco Santander Chile, Increases Price Target to $30
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Banco Santander Chile: Webcast/Conference Call for Analysts and Investors on Q3 2025
Conference Call Announcement: Banco Santander Chile will hold a conference call-webcast on November 5, 2025, at 10:00 AM NY time to discuss its 3Q 2025 financial results, featuring key bank officers and a Q&A session.
Financial Overview: As of June 30, 2025, Banco Santander Chile reported total assets of approximately US$69.37 billion, total gross loans of US$42.91 billion, total deposits of US$31.04 billion, and a BIS capital ratio of 17.0%.
Banco Santander-Chile Reports Strong FY 2025 Financials
- Earnings Performance: Banco Santander-Chile reported a non-GAAP EPS of $2.48 for FY 2025, indicating strong profitability and reflecting its robust performance and growth potential in the market.
- Asset Growth: As of December 31, 2025, the bank's total assets reached CLP 68,094,956 million (approximately $75.6 million), demonstrating effective asset management and enhanced market competitiveness.
- Loan and Deposit Metrics: Total gross loans, including interbank loans, amounted to CLP 40,932,880 million (about $45.4 million), while total deposits stood at CLP 30,569,372 million (around $33.9 million), showcasing solid liquidity and customer trust.
- Capital Adequacy Ratios: The bank's BIS capital ratio was 16.9%, with a core capital ratio of 11.0%, which not only meets regulatory requirements but also provides strong support for future expansion and risk management.
Banco Santander Chile to Release Q4 2025 Financial Results on February 5
- Earnings Call Schedule: Banco Santander Chile will hold a conference call on February 5, 2026, at 9:00 AM NY time to discuss its Q4 2025 financial results, which is expected to significantly impact investor sentiment.
- Management Participation: The call will feature CFO Patricia Pérez, Chief Strategy Officer Cristian Vicuña, and Economist Lorena Palomeque, ensuring comprehensive financial analysis and market outlook for stakeholders.
- Quiet Period Notification: The company will enter a quiet period starting January 16, 2026, during which no financial discussions will occur, maintaining confidentiality and compliance with regulatory standards.
- Financial Health Overview: As of September 30, 2025, Banco Santander Chile reported total assets of $68.24 billion, gross loans of $44.00 billion, and total deposits of $31.52 billion, reflecting a solid financial foundation in the Latin American market.
Banco Santander Chile to Release 4Q 2025 Financial Results on February 5
- Earnings Call Schedule: Banco Santander Chile will hold a conference call on February 5, 2026, at 9:00 AM NY time to discuss its 4Q 2025 financial results, which is expected to positively impact investor confidence.
- Management Participation: The call will feature CFO Patricia Pérez and Chief Strategy Officer Cristian Vicuña, providing in-depth financial analysis and market outlook, thereby enhancing transparency and investor relations.
- Asset and Loan Metrics: As of September 30, 2025, Santander Chile reported total assets of $68.24 billion and gross loans of $44.00 billion, indicating robust growth and an increase in market share in the Latin American market.
- Capital Adequacy Ratios: The bank's capital ratio stands at 16.7% with a core capital ratio of 10.8%, reflecting a strong financial position that supports future business expansion and risk management strategies.
Banco Santander-Chile Reports Earnings for Third Quarter 2025
Financial Performance: Banco Santander Chile reported a net income of $798 billion for the nine-month period ending September 30, 2025, marking a 37.3% year-over-year increase and achieving a return on average equity (ROAE) of 24.0%.
Customer Growth and Digital Strategy: The bank's customer base grew by 8.7% year-over-year, reaching approximately 4.6 million customers, with nearly 2.3 million being digital customers, reflecting the success of its digital product strategy.
Efficiency and Commissions: The efficiency ratio improved to 35.9%, and net commissions increased by 8.0%, indicating that over half of the bank's expenses are now funded by customer-generated commissions.
Capital Ratios and Ratings: The Common Equity Tier 1 (CET1) ratio stood at a solid 10.8%, with the bank maintaining high credit ratings from various agencies, all with a stable outlook.
JP Morgan Keeps Neutral Rating on Banco Santander Chile, Increases Price Target to $30
Real-time Intelligence: Benzinga Pro offers the fastest news alerts for traders, helping them stay informed and make timely decisions in the stock market.
Community and Exclusivity: Joining Benzinga Pro connects users with over 10,000 serious traders and provides access to exclusive stories and insights from Benzinga reporters.
Banco Santander Chile: Webcast/Conference Call for Analysts and Investors on Q3 2025
Conference Call Announcement: Banco Santander Chile will hold a conference call-webcast on November 5, 2025, at 10:00 AM NY time to discuss its 3Q 2025 financial results, featuring key bank officers and a Q&A session.
Financial Overview: As of June 30, 2025, Banco Santander Chile reported total assets of approximately US$69.37 billion, total gross loans of US$42.91 billion, total deposits of US$31.04 billion, and a BIS capital ratio of 17.0%.
