lssuance of first green mortgage bond in Chile | --- | --- | --- | --- | --- | --- | |--------------------------------------------------------------------|---------|--------------|--------------|--------------|--------------| | 1. Among the best top 10 companies to work for in Chile (#) | GPTW #1 | Top Employer | Top Employer | Top Employer | Top Employer | | 2. Women in managerial positions (%) | 25 % | 28% | 31% | 28% | 30% | | 3. Eliminate gender pay gap (%) | 3.1 % | 2.5 % | 2.4% | 2.1% | 0 % | | 4. Peo ...

Banco Santander-Chile (NYSE:BSAC) Q3 2023 Earnings Conference Call November 3, 2023 10:00 AM ET Company Participants Emiliano Muratore - Chief Financial Officer Cristian Vicuna - Chief, Strategic Planning and IR Carmen Gloria Silva - Economist Conference Call Participants Yuri Fernandes - JPMorgan Daniel Mora Ardila - Credicorp Capital Neha Agarwala - HSBC Global Research Ernesto Gabilondo - Bank of America Nicolas Riva - Bank of America Operator Ladies and gentlemen, thank you for standing by. And I would ...

INTERIM CONSOLIDATED FINANCIAL STATEMENTS For the periods ending on June 30, 2023, and 2022, and December 31, 2022 RUT: 81.513.400-1 | Teléfono: (56 2) 2940 0000 | www.pwc.cl Interim Consolidated Financial Statements June 2023 / Banco Santander-Chile Interim Consolidated Financial Statements June 2023 / Banco Santander-Chile Interim Consolidated Financial Statements June 2023 / Banco Santander-Chile We conducted our review in accordance with Generally Accepted Auditing Standards in Chile applicable to revie ...

Banco Santander Chile Management Commentary To the Shareholders and Directors Banco Santander Chile Responsibility of the professional RUT: 81.513.400-1 | Teléfono: (56 2) 2940 0000 | www.pwc.cl Based on our review, we are not aware of any material modifications that would need to be made to the presentation of "Management Commentary" of Banco Santander Chile and its subsidiantes in order for such presentation: (i) is in accordance with the elements required by th Financial Market Commission (CMF); (ii) the ...

Banco Santander-Chile (NYSE:BSAC) Q2 2023 Earnings Conference Call August 4, 2023 11:00 AM ET Corporate Participants Emiliano Muratore - Chief Financial Officer Claudio Soto - Chief Economist Cristian Vicuna - Chief of Strategic Planning and Investor Relations Conference Call Participants Juan Recalde - Scotiabank Ernesto Gabilondo - Bank of America Tito Labarta - Goldman Sachs Daniel Mora Ardila - CrediCorp Capital Isabelle Irish - Baring Asset Management Neha Agarwala - HSBC Global Research Ewald Stark Bi ...

Banco Santander-Chile (BSAC) Q1 2023 Earnings Conference Call April 28, 2023 11:00 AM ET Corporate Participants Robert Moreno - Head of Investor Relations Emiliano Muratore - Chief Financial Officer Cristián Vicuña - Head of Strategic Planning Claudio Soto - Chief Economist Conference Call Participants Neha Agarwala - HSBC Tito Labarta - Goldman Sachs Carlos Gomez - HSBC Daniel Mora - Credicorp Yuri Fernandes - JPMorgan Ernesto Gabilondo - Bank of America Operator Good afternoon and welcome to Banco Santa ...

Credit Loss and Provision - Credit loss expenses due to receivables from customers amounted to 2,918 in 2023, compared to 20,314 in 2022[8] - Net provision for loan loss was 114,249 in 2023, up from 89,531 in 2022[40] Cash Flow and Cash Equivalents - Total cash flows used in financing activities were 29,217 in 2023, compared to (460,493) in 2022[19] - Final balance of cash and cash equivalents was 2,660,782 in 2023, up from 1,982,942 in 2022[19] Comprehensive Income and Profit - Other comprehensive income for the year was 15,205 in 2023[49] - Profit attributable to shareholders was 774,959 in 2021, with 264,577 allocated to dividends[52] - Subtotal: Comprehensive income for the year was 3,566 in 2023[50] - The Bank reported a profit for the year of 800,051 and 823,857 for the respective periods[89] Dividends and Shareholder Payments - Payment of common stock dividends was (464,977) in 2023[54] - Provision for payment of common stock was (10,107) in 2023[61] Currency and Financial Reporting - The Bank's functional and presentation currency is the Chilean Peso, with foreign currency transactions translated at the market exchange rate of $794.35 per US$ for March 2023[85][86] - Non-controlling interest represents the portion of net income and net assets not owned by the Bank, presented separately in financial statements[82] Operating Segments and Business Models - The Bank's operating segments are defined based on revenues, results, and assets exceeding 10% of combined operating segments[84] - The Bank's operating segments are reviewed regularly by the highest decision-making authority and can be aggregated if they meet specific criteria under IFRS 8, including similar economic characteristics and aspects like product nature, customer type, and distribution methods[135] - The Bank created a new business model called 'Held to collect investments' to manage higher liquidity levels due to market changes[131] Financial Assets and Liabilities - The Bank's financial assets are classified based on business models and contractual cash flow characteristics, measured at amortised cost, fair value through other comprehensive income, or fair value through profit or loss[122][130] - Financial assets are classified based on the business model, which determines whether cash flows will come from contractual cash flows, selling financial assets, or both[146] - Financial assets can be measured at fair value through profit or loss if not held within a business model aimed at collecting contractual cash flows or if the objective is achieved by both collecting cash flows and selling assets[148] - Financial liabilities are subsequently measured at amortised cost, except for derivatives measured at fair value through profit or loss[153] - Financial liabilities are derecognised when the obligation is discharged, cancelled, or expired, and loans follow specific FMC requirements for derecognition[167] Derivatives and Risk Management - The Bank uses financial derivatives for risk management, trading, and hedging purposes[125] - Derivatives are classified as either trading instruments or hedging instruments, with trading derivatives measured at fair value through profit or loss[169] - The Bank uses the IAS 39 guidelines for hedge accounting, requiring specific conditions to be met for a financial derivative to be considered a hedging derivative[181] - The fair value of financial derivatives in trading books is deemed similar to their daily quoted price, with OTC derivatives calculated using NPV and option pricing models, including CVA and DVA adjustments[184] - Derivatives are recorded at fair value from the trade date, with changes in fair value recognized in the Interim Consolidated Income Statements[192] Fair Value Measurement - The Bank's fair value measurement considers market conditions and characteristics of assets or liabilities[99] - The Bank uses internal models to estimate fair value when market quotations are not observable, relying on observable market data and sometimes unobservable inputs[158] - Financial instruments at fair value determined by published prices in active markets (Level 1) include government bonds, corporate bonds, and exchange-traded derivatives[193] Leases and Right-of-Use Assets - The Bank's lease liabilities and right-of-use assets are recognized according to IFRS 16 'Leases'[96] - Lease contracts are measured at cost initially, with rent adjustments due to UF variations treated as new measurements and recognized as amendments to the obligation[191] - The Bank assesses whether contracts contain leases based on the right to control the use of an identified asset, with short-term leases (≤12 months) recorded as straight-line expenses[195] - The Bank has not entered into lease agreements with guarantee clauses for residual value or variable lease payments[196] Property, Plant, and Equipment - The useful life of property, plant, and equipment is reviewed at the end of each reporting period, with adjustments made to depreciation charges if significant changes are detected[190] Intangible Assets and Receivables - Intangible assets are recorded at acquisition or production cost, minus accumulated amortization and impairment losses[200] - Factored receivables are valued at the amount disbursed by the Bank, with price differences recorded as interest income using the effective interest method[199] Shareholding and Control - The Bank holds 67.18% of its shares controlled by Banco Santander Spain through subsidiaries[106] Valuation and Management of Financial Instruments - The Bank has a formal process for the systematic valuation and management of financial instruments, with responsibilities divided between Treasury and Market Risks divisions[160] Market Conditions and Financial Instruments - No significant investments in listed financial instruments ceased to be recorded at their quoted market value as of March 31, 2023, 2022, and December 2022[186]

Pandemics, including the global COVID-19 pandemic, and other public health emergencies have materially impacted, and may in the future materially impact, our financial condition, liquidity and results of operations. In 2020, the Chilean government also announced a series of measures to support lending as a result of the economic dislocation seen at the beginning of the COVID19 pandemic. The largest measures were to provide an additional U.S.$3 billion to the Fondo de Garantía para Pequeños Empresarios (Smal ...

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Bandera 140 Santiago, Chile (Address of principal executive of ice) Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7): | --- | --- | |-------------------------------|-----------------------------------------------------------| | | BANCO SANTANDER-CHILE \nBy: /s/ Cristian Florence | | | Name: Cristian Florence | | | Title: General Counsel | | Date: February 21, 2023 | | | | | | | ...

Banco Santander-Chile (NYSE:BSAC) Q4 2022 Earnings Conference Call February 3, 2022 9:00 AM ET Company Participants Emiliano Muratore - CFO Claudio Soto - Chief Economist Robert Moreno - Managing Director and Head of IR Conference Call Participants Yuri Fernandes - JPMorgan Carlos Gomez - HSBC Tito Labarta - Goldman Sachs Mariel Abreu - T. Rowe Price Daniel Mora Ardila - Credicorp Capital Alonso Aramburu - Banco BTG Pactual Operator Good morning, and welcome to Banco Santander-Chile's Fourth Quarter 2022 Re ...