Banco Santander-Chile (NYSE:BSAC) Q4 2025 Earnings call February 05, 2026 09:00 AM ET Company ParticipantsCristián Vicuña - Head of Strategy and Investor RelationsLindsey Shema - Equity Research AssociateLorena Palomeque - EconomistNeha Agarwala - SVPPatricia Pérez - CFOYuri Fernandes - Managing DirectorConference Call ParticipantsErnesto Gabilondo - Senior Financial Equity AnalystEwald Stark - Equity Research AnalystOperatorLadies and gentlemen, thank you for standing by, and I'd like to welcome you to Ban ...

Banco Santander-Chile (NYSE:BSAC) Q4 2025 Earnings call February 05, 2026 09:00 AM ET Company ParticipantsCristián Vicuña - Head of Strategy and Investor RelationsLindsey Shema - Equity Research AssociateLorena Palomeque - EconomistNeha Agarwala - SVPPatricia Pérez - CFOYuri Fernandes - Managing DirectorConference Call ParticipantsErnesto Gabilondo - Senior Financial Equity AnalystEwald Stark - Equity Research AnalystOperatorLadies and gentlemen, thank you for standing by, and I'd like to welcome you to Ban ...

Banco Santander-Chile (NYSE:BSAC) Q4 2025 Earnings call February 05, 2026 09:00 AM ET Speaker4Ladies and gentlemen, thank you for standing by, and I'd like to welcome you to Banco Santander-Chile's fourth quarter 2025 earnings conference call on the 5th of February, 2026. Please note that at this point all participant lines are in listen-only mode. After the call there'll be an opportunity to ask questions. So with this I'll now like to pass the line to Patricia Pérez, the Chief Financial Officer. Please go ...

Banco Santander Chile 4Q25 results February 5, 2025 Important information Banco Santander Chile caution that this presentation contains forward looking statements within the meaning of the US Private Securities Litigation Reform Act of 1995 . These forward looking statements are found in various places throughout this presentation and include, without limitation, statements concerning our future business development and economic performance . While these forward looking statements represent our judgment and ...

Core Insights - Banco Santander Chile reported a strong financial performance for the twelve-month period ending December 31, 2025, with a net income attributable to shareholders of Ch$ 1.053 billion, reflecting a 22.8% year-over-year increase and a return on average equity (ROAE) of 23.5% [2][3] Financial Performance - The bank's operating income increased by 10.2% year-over-year, driven by improved net interest margins, higher fees, and better financial transaction results [2] - Compared to the previous quarter, net income attributable to shareholders rose by 3.2% quarter-over-quarter, supported by improved margins and effective cost control [3] - The net interest margin (NIM) improved to 4.0% in 12M25, up from 3.6% in 12M24, due to a reduction in funding costs from 4.7% to 3.8% [4] Customer Growth - The total customer base expanded by 6.9% year-over-year, reaching approximately 4.6 million customers, with nearly 2.3 million being digital customers [6] - The bank maintained a strong market share in current accounts at 21.8% as of November 2025, driven by increased demand for US dollar accounts [7] Fee and Efficiency Metrics - Net commissions increased by 8.9% in 12M25, resulting in a recurrence ratio of 63.7%, indicating that over half of the bank's expenses are financed by customer-generated fees [8] - The efficiency ratio improved to 36.0% in 12M25, down from 39.0% in the previous year, despite a 1.8% increase in total operating expenses [9] Capital and Ratings - The Common Equity Tier 1 (CET1) ratio stood at 11.0%, with a capital generation of 50 basis points for the year, while the BIS ratio reached 16.9% [10] - Banco Santander Chile holds high credit ratings from various agencies, including A2 from Moody's and A- from Standard & Poor's, all with a stable outlook [11] Asset and Loan Metrics - As of December 31, 2025, the bank's total assets amounted to US$ 75.6 billion, with total gross loans at US$ 45.4 billion and total deposits at US$ 33.9 billion [12]

Core Viewpoint - Banco Santander-Chile (NYSE:BSAC) is a significant player in the Chilean banking sector, with a generally positive outlook despite individual analyst caution regarding macroeconomic challenges and regulatory changes [1][4]. Group 1: Stock Analysis - The consensus price target for BSAC has been raised to $29 from $26.5, indicating a positive shift in analyst expectations over the past year [2]. - Goldman Sachs analyst Tito Labarta has set a more conservative target of $21, reflecting concerns over BSAC's earnings and broader economic challenges [2]. Group 2: Economic and Regulatory Influences - The bank's performance is closely linked to Chile's economic conditions and regulatory environment, facing challenges such as weakening exports and regulatory changes that may impact future earnings [3]. - The stable consensus price target and recent upward adjustments suggest a generally positive outlook, but individual analyst caution highlights the need for a nuanced understanding of the potential for growth and volatility [4].

SANTIAGO, Chile, Jan. 09, 2026 (GLOBE NEWSWIRE) -- You are cordially invited to participate in Banco Santander Chile's (NYSE: BSAC) conference call-webcast on Thursday February 5, 2026, at 9.00 AM NY time (11.00am Chile time) where we will discuss 4Q 2025 financial results. The Bank's Officers participating in the conference call are: Patricia Pérez, CFO, Cristian Vicuña, Chief Strategy Officer & Head of IR and Lorena Palomeque, Economist. A question and answer session will follow the presentation. The Mana ...

Investors looking for stocks in the Banks - Foreign sector might want to consider either Banco Santander-Chile (BSAC) or Banco De Chile (BCH) . But which of these two stocks offers value investors a better bang for their buck right now? We'll need to take a closer look.The best way to find great value stocks is to pair a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system. The Zacks Rank is a proven strategy that targets companies with positive earnings estimate revis ...

Core Viewpoint - The article compares Banco Santander-Chile (BSAC) and Banco De Chile (BCH) to determine which stock is more attractive for value investors [1] Group 1: Stock Ratings and Earnings Outlook - Both BSAC and BCH currently hold a Zacks Rank of 2 (Buy), indicating a positive earnings outlook due to favorable analyst estimate revisions [3] - The Zacks Rank system emphasizes stocks with strong earnings estimate revision trends, which is beneficial for investors [2] Group 2: Valuation Metrics - BSAC has a forward P/E ratio of 12.33, while BCH has a forward P/E of 13.97, suggesting BSAC is more attractively priced [5] - BSAC's PEG ratio is 0.73, indicating a better valuation relative to its expected earnings growth compared to BCH's PEG ratio of 2.62 [5] - BSAC has a P/B ratio of 3.21, compared to BCH's P/B of 3.49, further supporting BSAC's superior valuation metrics [6] - Based on these valuation figures, BSAC is rated as a superior value option with a Value grade of B, while BCH has a Value grade of D [6]

Core Insights - Banco Santander Chile is proposing a strategic alliance with PagoNxt, enhancing Getnet Chile's technological capabilities and international reach [1][3] - The transaction involves incorporating Getnet Payments, SL. into Getnet Chile, with Banco Santander Chile maintaining a controlling 50.01% stake [2] - This partnership aims to strengthen Getnet's market leadership and competitiveness in the payments sector [5][4] Financial Overview - As of September 30, 2025, Banco Santander Chile reported total assets of $73.258 billion, total gross loans of $44.002 billion, total deposits of $31.515 billion, and shareholders' equity of $4.930 billion [7] - The BIS capital ratio stood at 16.7%, with a core capital ratio of 10.8% [7] Market Position - Getnet Chile has achieved an 18.9% market share in physical card transactions within four years and operates over 316,000 POS nationwide [1] - PagoNxt processed payments worth €222 billion in 2024, handling 9.8 million transactions for 1.2 million merchants, indicating its significant scale in the payments market [4]