Financial Performance - Net income attributable to equity holders of the Bank increased by 148% YoY, reaching Ch$144,014 million in 1Q20 [6, 7] - ROAE reached 168% in 1Q20, compared to 153% in 1Q19 [6, 7] - Net Interest Income (NII) increased 203% YoY, totaling Ch$388,299 million in 1Q20 [6, 29] - Efficiency ratio improved to 406% in 1Q20, compared to 425% in 1Q19 [6, 39, 40] Loan Portfolio and Asset Quality - Total loans increased 123% YoY, reaching Ch$34,355,159 million, driven by commercial loans from the Middle-market and CIB segments [6, 18, 47] - Non-interest bearing demand deposits increased 296% YoY [23] - NPL ratio remained stable at 20% in 1Q20, similar to 1Q19 [6, 22, 40] - Coverage of NPLs ratio increased to 1335% in 1Q20, compared to 1274% in 1Q19 [6, 22, 40] Capital Adequacy and Dividends - Shareholders' equity totaled Ch$3,494,433 million as of March 31, 2020, growing 52% YoY [6, 27, 59] - Core capital ratio was 97% and the total BIS ratio was 127% as of March 2020 [6, 27, 62] - The Bank proposed a dividend payout of 30% of 2019 net income [28, 60]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . OR Commission file number: 1-14554 BANCO SANTANDER-CHILE ( ...

Banco Santander-Chile (NYSE:BSAC) Q4 2019 Results Conference Call January 29, 2019 10:00 AM ET Company Participants Emiliano Muratore - CFO Robert Moreno - Managing Director of Investor Relations Claudio Soto - Chief Economist Conference Call Participants Ernesto Gabilondo - Bank of America Jason Mollin - Scotiabank Thiago Batista - UBS Tito Labarta - Goldman Sachs Neha Agarwala - HSBC Sebastián Gallego - CrediCorp Jorg Friedemann - Citibank Tibad Alessandri - CrediCorp Yuri Fernandes - JP Morgan Operator L ...

Banco Santander Chile 4Q19 & 12M19 Results 1 1 January 29, 2020 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 ju ...

Banco Santander Chile 3Q19 Results 1 1 October 30, 2019 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 a ...

Banco Santander-Chile (NYSE:BSAC) Q3 2019 Earnings Conference Call October 30, 2019 10:00 AM ET Company Participants Emiliano Muratore - CFO Claudio Soto - Chief Economist Robert Moreno - Manager, IR Conference Call Participants Jorg Friedemann - Citigroup Ernesto Gabilondo - Bank of America Merrill Lynch Gabriel Nóbrega - Citigroup Neha Agarwala - HSBC Yuri Fernandes - JP Morgan Operator Ladies and gentlemen, thank you for standing by, and welcome to the Q3 2019 Banco Santander-Chile Earnings Conference Ca ...

Banco Santander-Chile (NYSE:BSAC) Q2 2019 Earnings Conference Call July 29, 2019 11:00 AM ET Company Participants Emiliano Muratore - CFO Claudio Soto - Chief Economist Robert Moreno - Manager, IR Conference Call Participants Jorg Friedemann - Citigroup Jason Mollin - Scotiabank Sebastián Gallego - CrediCorp Capital Neha Agarwala - HSBC Michael Brcic - National Securities Corporation Alonso Garcia - Crédit Suisse Operator Good day, ladies and gentlemen, and welcome to the Q2 2019 Banco Santander-Chile Earni ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 1-14554 BANCO SANTANDER-CHILE (d/b/a Santander and Banco Santander) (E ...