Banco Santander (NYSE:SAN) Q3 2025 Earnings Call October 29, 2025 05:00 AM ET Company ParticipantsHéctor Grisi - CEOJosé García Cantera - CFOBorja Ramirez - Director of Banks Equity ResearchAndrea Filtri - Managing Director and Head of Mediobanca ResearchMiruna Chirea - Senior Associate of Iberian BanksCarlos Peixoto - Equity Research of Banking and Other Financials and Senior DirectorPablo de la Torre Cuevas - Equity Research Assistant VP of European BanksFrancisco Riquel - Head of Equity ResearchAlvaro Se ...

Banco Santander (NYSE:SAN) Q3 2025 Earnings Call October 29, 2025 05:00 AM ET Speaker3Good morning and welcome to the third quarter 2025 results presentation. For the call today, we will be joined by Héctor Grisi, our Group CEO, and José García Cantera, our CFO. Héctor, over to you.Speaker0Thanks, Raul. Good morning everyone, and thank you for joining the Santander results presentation. We will follow the usual structure. First, I will go over our results with a special focus on the performance of our globa ...

Core Insights - Banco Santander Chile has appointed Andrés Trautmann Buc as the new CEO and Country Head, succeeding Román Blanco, who had a successful tenure [1][2] - The bank is recognized as the leading institution in Chile for loans, serving nearly one in three SMEs, and boasts a return on equity (ROE) of 25.9% [2] - Trautmann aims to leverage Santander's global presence to enhance the growth of Chilean companies and improve customer service across different regions [2][3] Company Performance - As of March 31, 2025, Banco Santander Chile reported total assets of Ch$67,059,423 million (approximately US$70,284 million) and total gross loans of Ch$41,098,666 million (approximately US$43,075 million) [5] - The bank's total deposits stood at Ch$30,607,715 million (approximately US$32,080 million) with bank owners' equity of Ch$4,400,233 million (approximately US$4,612 million) [5] - The BIS capital ratio was reported at 16.9%, with a core capital ratio of 10.7% [5] Employee and Branch Network - Banco Santander Chile employs 8,712 people and operates 237 branches throughout the country [6] - The bank has received high credit ratings from various agencies, including an A2 rating from Moody's and A- from Standard & Poor's, all with a stable outlook [6] Leadership Background - Andrés Trautmann has a strong background in the banking sector, having joined Santander in 2007 and held various key positions, including Head of Markets and Executive Vice President of CIB [3][4] - His leadership is expected to drive the bank's growth and innovation in digital banking and customer service [4]