Financial Performance - Banco Santander Chile's net income attributable to shareholders for 6M25 was Ch$550355 million, a 628% increase year-over-year[65] - Net interest income for 6M25 reached Ch$1033547 million, up 260% year-over-year[65] - Total fees for 6M25 amounted to Ch$2967 billion, reflecting a 132% increase year-over-year[25,65] - Results from financial transactions totaled Ch$1342 billion, a 238% increase year-over-year[25,65] Balance Sheet and Loan Portfolio - Total loans reached Ch$40943 billion in 6M25, showing a 10% increase year-over-year[66] - Mortgage loans totaled Ch$17487 billion, a decrease of 01% year-over-year[66] - Commercial loans amounted to Ch$17545 billion, up 13% year-over-year[66] - Consumer loans reached Ch$5896 billion, increasing by 34% year-over-year[66] Efficiency and Asset Quality - The efficiency ratio was 353% in 6M25, positioning the bank as best in class[32,33,34] - The recurrence rate was 619%[34,35] - The NPL (Non-Performing Loans) ratio was 30%[40,79]