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 ...

FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 Commission File Number: 001-14554 Banco Santander Chile Santander Chile Bank (Translation of Registrant's Name into English) Bandera 140 Santiago, Chile (Address of principal executive of ice) Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F: Form 20-F ☒ Form 40-F ☐ Indicate by ...

2Q21 Results Banco Santander Chile July 29, 2021 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 futu ...

1Q21 Results April 30, 2021 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 future expectations conce ...

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, 2020 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 4Q20 Results February 4, 2021 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 f ...

Financial Data and Key Metrics Changes - In Q4 2020, net income totaled CLP 183 billion, a 74.5% increase compared to Q3 2020 and a 57.2% increase compared to Q4 2019 [14] - The bank's return on average equity (ROE) reached 20.4% in Q4 2020, while the full-year ROE for 2020 was 14.5% [16] - Net interest income (NII) increased by 12.5% in 2020, with a flat net interest margin (NIM) closing the year at 4% [18] Business Line Data and Key Metrics Changes - Total loans increased by 5% year-on-year but decreased by 1.4% quarter-on-quarter [23] - Consumer loans showed early signs of recovery, increasing by 0.3% quarter-on-quarter, while mortgage loans increased by 10.2% year-on-year [24] - Non-interest-bearing demand deposits increased by 41% year-on-year, driven by retail checking accounts and the impact of pension fund withdrawals [20] Market Data and Key Metrics Changes - The Chilean economy is expected to grow by 4.5% in 2021, with inflation projected to remain below 3% [11] - Business confidence has returned to optimistic levels, particularly in the industrial sector, contributing to improved employment [10] - The Central Bank has maintained its policy rate at 0.5% and announced a new loan growth facility of US$10 billion for SMEs [12] Company Strategy and Development Direction - The bank is focusing on digital transformation, with a new investment plan of CLP 250 million for 2021 to 2023 to expand digital initiatives [41] - The Santander Life program has significantly increased account openings, with a 259% rise in 2020, indicating a successful strategy to attract middle-income clients [42] - The bank is also enhancing its sustainability initiatives, including green mortgages and eco-friendly products, which have led to recognition in sustainability indices [46][48] Management's Comments on Operating Environment and Future Outlook - Management expressed cautious optimism for 2021, expecting loan growth in the mid-single digits and a stable NIM [53] - The cost of credit is projected to remain elevated at 1.3% to 1.4%, reflecting ongoing uncertainties related to the pandemic [54] - The bank anticipates a return to pre-COVID ROE levels around 17% in 2022, contingent on the economic recovery and vaccination progress [76] Other Important Information - The bank's efficiency ratio improved to 38.3% in Q4 2020, with operating expenses increasing by only 2.5% year-on-year [36] - The bank's capital ratios remained strong, with a core capital ratio of 10.7% at year-end 2020 [37] Q&A Session Summary Question: Expectations for fee income growth - Management expects fee income growth to align with loan growth, supported by initiatives like Santander Life [56][57] Question: Update on Life clients and current accounts - Life clients are included in current account openings, with many being new to the banking system and generating significant revenue [60][63] Question: Regulatory changes and their impact - Management is monitoring potential regulatory changes, particularly regarding interchange fees, but remains confident in their ability to adapt [66][68] Question: Cost of risk guidance - The cost of risk guidance of 1.3% to 1.4% is considered conservative, factoring in potential future deterioration [70][73] Question: Update on acquiring business (Getnet) - The acquiring business is set to launch soon, with a target market share of 15% by 2022 [79] Question: Dividend payment expectations - Management anticipates a return to a single dividend payment in April, subject to macroeconomic conditions [86] Question: NIM guidance and risks - Potential risks to NIM include loan mix and economic recovery, while inflation could provide upside [88][90]