Banco Santander-Chile/$BSAC

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About Banco Santander-Chile

Founded in 1978, Banco Santander Chile is part of Santander Group and majority-controlled by Santander Spain. It is the largest bank in Chile by loans and the second largest by deposits. The bank generates most of its net interest income (roughly 65% of total revenue) from its mortgages, unsecured consumer credit lines, and commercial loans. Banco Santander's commercial loan business is more focused on small- to medium-size companies, with firms generating more than CLP 10,000 million in revenue only making up around 5% of outstanding loans. Outside of lending, Banco Santander is the largest card issuer in the country with around 25% of the market and benefits from a long-term strategic partnership with the largest airline in the country, LATAM.
Ticker
$BSAC
Sector
Finance
Primary listing
NYSE
Employees
8,526
Headquarters
Santiago, Chile
Website
banco.santander.cl

BSAC Metrics

BasicAdvanced
$16B
5,535.20
$0.01
0.23
$1.10
3.16%

What the Analysts think about BSAC

Analyst ratings (Buy, Hold, Sell) for Banco Santander-Chile stock.
Analyst projections of the future price of Banco Santander-Chile stock.

Bulls say / Bears say

6M26 net income rose 19.2% year over year, ROAE improved to 27.2% from 25.1%, and the net interest margin increased to 4.3% from 4.1%, indicating strong operating momentum. (Banco Santander Chile)
The customer franchise continues to expand: customers grew 6.9% year over year, deposits increased 6.0% from year-end 2025, and the 2Q26 efficiency ratio improved to 30.8% from 35.6% a year earlier. (Banco Santander Chile)
Capital and liquidity provide a meaningful buffer: the bank reported an 11.1% CET1 ratio, a 16.6% BIS ratio, and a 177.1% liquidity-coverage ratio at June 30, 2026; shareholders also approved a dividend equivalent to a 4.5% yield. (SEC filing)
Asset quality is deteriorating: the non-performing-loan ratio rose to 3.4% in 2Q26 from 3.0% a year earlier, while the impaired-loan ratio reached 7.5%; consumer-loan provisions increased 29.7% year over year in 6M26. (SEC filing)
The strong 2Q26 earnings rebound was heavily supported by inflation-linked readjustment income: UF inflation rose to 2.5% from 0.3% in the prior quarter, driving a 441.2% increase in readjustment income. A lower-inflation environment could therefore reverse part of the margin and earnings benefit. (SEC filing)
Loan growth remains modest and fee momentum is weak: loans increased only 1.2% from year-end 2025, while credit-card and consumer-installment growth lagged; total commissions were essentially flat in 6M26 and card fees fell 1.6%. (SEC filing)
Data summarised monthly by Lightyear AI. Last updated on 11 Sept 2026.

BSAC Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

BSAC Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

BSAC News

AllArticlesVideos

Banco Santander Chile Q2 Earnings Call Highlights

MarketBeat1 month ago

Funds containing BSAC

AllEURGBP
Funds
Fund name
Fund size
$BSAC weighting
SPDR MSCI All Country World€SPYY
€17B0.01%
SPDR MSCI All Country World£ACWI
£14B0.01%
SPDR MSCI All Country World IM€SPYI
€7.5B0.00%
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