Financial Data and Key Metrics Changes - Net income attributable to shareholders for 2019 was CLP 552 billion, translating to an ROE of 16.7%. Adjusted for extraordinary provisions, ROE reached 17.7% [29] - Total deposits decreased by 7.7% year-over-year and 2.7% quarter-on-quarter, while demand deposits increased by 8.8% quarter-on-quarter and 17.8% year-over-year [30] - Total loans increased by 8.1% in 2019, with a quarter-on-quarter growth of 2.6% [32] - The cost of credit ended the fourth quarter at 1.9% and 1.3% for the whole year, with an adjusted cost of credit of 1.7% in the quarter [36] Business Line Data and Key Metrics Changes - Loans to individuals were the fastest-growing segment in 2019, driven by high-income earners and the incorporation of Santander Consumer, contributing CLP 451 billion of consumer loans [32] - Noninterest income increased by 25% in 2019, with expectations for continued recovery in 2020 [39][40] - The acquiring business is expected to bolster fee income, with the launch of Getnet and Claire, a digital insurance platform [20][21] Market Data and Key Metrics Changes - The economic activity in Chile contracted by more than 2% year-on-year in Q4 2019, with GDP growth for the year at 1.1% [5][7] - Unemployment is expected to rise to 8% to 8.5% during the year, impacting consumer spending and loan growth [7][62] - The Central Bank lowered the monetary policy rate to 1.75%, affecting funding costs and liquidity ratios [30] Company Strategy and Development Direction - The company is focused on digitalization and technological improvements, with an ambitious investment plan for 2020 [46] - The bank aims to maintain a stable NIM around 4.1%, despite regulatory changes and economic challenges [34][47] - The company is enhancing its ESG initiatives, improving its ESG score significantly in 2019 [25] Management's Comments on Operating Environment and Future Outlook - The management expressed cautious optimism regarding the economic outlook, noting potential risks from social unrest and political uncertainty [6][11] - Loan growth is expected to reach 5% in 2020, with a focus on retail loans and larger SMEs [32][47] - The management anticipates stable cost of credit at 1.3% to 1.4% due to expected increases in unemployment and economic growth challenges [47] Other Important Information - The bank's core capital ratio reached 10.1%, and the BIS ratio was 12.9%, providing room for growth [44] - The bank's distribution network included 377 branches, with some branches affected by social unrest but most damages covered by insurance [41] Q&A Session Summary Question: Economic outlook and potential credit rating changes - Management noted that credit agencies have been positive regarding Chile's outlook, but risks remain due to economic activity and public deficit concerns [50] Question: Expectations for loan growth and SME segment - Loan growth of 5% is expected to be organic, with a focus on larger SMEs and export-oriented sectors [51][53] Question: Asset quality and cost of risk expectations - Management indicated that while asset quality may deteriorate, proactive measures have been taken to build coverage, and cost of risk is expected to remain stable [66][68] Question: Regulatory changes and asset quality concerns - No significant regulatory changes are anticipated beyond those already mentioned, and the bank is being prudent in lending to new clients [70] Question: IFRS implementation update - Full IFRS implementation is expected by January 2021, except for credit loss provisioning [71][72]

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 ...