Financial Data and Key Metrics Changes - The net contribution from business segments increased by 19.7% year-to-date, with all segments showing significant rising profitability [1] - Provisions increased by 43.9% year-over-year due to a normalization of asset quality in retail loans [2] - Operating costs increased by 3.2% year-over-year, indicating controlled growth as the bank continues its digital transformation [2] - The cost of credit rose to 1.2% in the fourth quarter, primarily due to specific clients in the Middle Market [10] Business Line Data and Key Metrics Changes - Retail banking loans grew by 1.8% quarter-over-quarter and 5.5% year-over-year, with consumer loans increasing by 11% year-over-year [8] - The SME segment loan book decreased by 5.7% quarter-over-quarter and 20.6% year-over-year as SMEs repaid FOGAPE loans [5] - The Corporate and Investment Banking segment saw a net contribution increase of 49.3% year-over-year, driven by growth in all profit lines [139] Market Data and Key Metrics Changes - The NPL ratio rose to 1.8% in the quarter, primarily due to household liquidity levels returning to post-pandemic levels [6] - The bank's NIM decreased to 2.2% in the quarter and 3.3% for the full year, influenced by movements in volumes, rates, and inflation [9] - The average monetary policy rate is expected to be 9.2% for 2023, with inflation projected at 5.3% [33] Company Strategy and Development Direction - The bank continues to invest in digital transformation, with a CLP260 million technology investment plan for 2022-2024 [7][49] - The strategy includes optimizing the branch network, having closed 12% of branches while opening new Work Cafes to enhance client experience [145] - The bank aims to maintain a historical payout of 60% over 2022 earnings, with a current dividend yield close to 8% [110] Management's Comments on Operating Environment and Future Outlook - Management expects a challenging macro environment in 2023 but believes strong client activities will continue to expand [34] - The bank anticipates a cost of credit of 1.1% to 1.2% for the year, with a focus on maintaining high coverage for non-performing loans [81] - The economic outlook includes a contraction of GDP between 1% and 1.5%, with expectations for recovery in 2024 [148] Other Important Information - The new fintech law is expected to open opportunities for the financial industry by regulating new technological players [138] - The bank's asset quality indicators led to a cost of credit of 1% for the full year, aligning with guidance [144] - The bank's active individually clients grew by 7.2% year-over-year, indicating strong client growth [139] Q&A Session Summary Question: What are the refinancing needs for this year and next? - Management indicated that liquidity conditions are favorable and they are comfortable with their funding needs [52] Question: Can you elaborate on the increase in provisions for consumer loans? - Management expects an impact of CLP150 billion in provisions, with implementation anticipated in the second half of 2023 [41] Question: How do you foresee the evolution of interest rates and inflation? - Management expects inflation to moderate, allowing the Central Bank to cut rates aggressively in the second quarter [125] Question: What is the strategy regarding derivatives? - The bank uses derivatives to manage interest rate risk and expects improvements in margins as rates decline [116] Question: What is the expected cost of credit for the full year? - Management anticipates a cost of credit of 1.1% to 1.2%, with a potential decrease in the second half of the year [89]

Banco Santander-Chile (NYSE:BSAC) Q3 2022 Earnings Conference Call October 28, 2022 10:00 AM ET Company Participants Emiliano Muratore - CFO Claudio Soto - Chief Economist Robert Moreno - Managing Director and Head of IR Conference Call Participants Tito Labarta - Goldman Sachs Alonso Garcia - Credit Suisse Daniel Mora - Credicorp Capital Ernesto Gabilondo - Bank of America Jason Mollin - Scotiabank Operator Ladies and gentlemen, thank you for standing by, and I would like to welcome you to Banco Santander- ...

Exhibit 99.1 | --- | --- | --- | |-------------|----------------------------------------------------|-------| | | | | | | CONSOLIDATED INTERIM FINANCIAL STATEMENTS | | | | As of June 30, 2022 and 2021 and December 31, 2021 | | | & Santander | | | | | | | | | | | CONTENT Consolidated Interim Financial Statements | --- | --- | |---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...

Banco Santander-Chile (NYSE:BSAC) Q2 2022 Earnings Conference Call July 29, 2022 11:00 AM ET Company Participants Emiliano Muratore - CFO Claudio Soto - Chief Economist Robert Moreno - Managing Director and Head of IR Conference Call Participants Jason Mollin - Scotiabank Tito Labarta - Goldman Sachs Yuri Fernandes - JPMorgan Ernesto Gabilondo - Bank of America Alonso Garcia - Credit Suisse Neha Agarwala - HSBC Operator Ladies and gentlemen, thank you for standing by, and I would like to welcome you to Banc ...

Banco Santander-Chile (NYSE:BSAC) Q1 2022 Earnings Conference Call April 29, 2022 11:00 AM ET Company Participants Emiliano Muratore - Chief Financial Officer Claudio Soto - Chief Economist Robert Moreno - Managing Director and Head of Investor Relations Conference Call Participants Tito Labarta - Goldman Sachs Alonso Garcia - Credit Suisse Ernesto Gabilondo - Bank of America Carlos Gomez - HSBC Yui Fernandez - JP Morgan Juan Recalde - Scotiabank Operator Ladies and gentlemen, thank you for standing by. And ...

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, 2021 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 2021 Results Earnings Conference Call February 3, 2022 10:00 AM ET Company Participants Emiliano Muratore - Chief Financial Officer Robert Moreno - Managing Director-Investor Relations Conference Call Participants Ernesto Gabilondo - Bank of America Juan Recalde - Scotiabank Carlos Gomez-Lopez - HSBC Securities Jordan Hymowitz - Philadelphia Financial Alonso Garcia - Credit Suisse Yuri Fernandes - JPMorgan Santiago Alba - Credicorp Capital Operator Good afternoon, ladies ...

Banco Santander Chile 4Q21 Results February 3, 2022 Santander 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 judg ...

Exhibit 99.1 These financial statements as of September 30, 2021 are under IFRS. | --- | --- | |------------------------------------------------------------------------------|-------| | | | | | | | | | | CONSOLIDATED INTERIM | | | FINANCIAL STATEMENTS As of September 30, 2021 and 2020 and December 31, 2020 | | | Santander | | CONTENT Consolidated Interim Financial Statements CONSOLIDATED INTERIM STATEMENTS OF FINANCIAL POSITION 3 CONSOLIDATED INTERIM STATEMENTS OF INCOME 4 CONSOLIDATED INTERIM STATEMENTS OF ...

Banco Santander-Chile (NYSE:BSAC) Q3 2021 Earnings Conference Call October 29, 2021 11:00 AM ET Company Participants Emiliano Muratore - Chief Financial Officer Robert Moreno - Managing Director-Investor Relations Claudio Soto - Chief Economist | --- | |-------------------------------------| | | | | | Conference Call Participants | | Ernesto Gabilondo - Bank of America | | Carlos Gomez-Lopez - HSBC | | Juan Recalde - Scotiabank | | Daniel Mora - CrediCorp Capital | | Yuri Fernandes - JPMorgan | | Alonso Gar ...