What is the revenue and EPS growth rate for Santander-Chile year over year?

What is Santander-Chile's latest dividend and current dividend yield?

What does Santander-Chile do and what are its main business segments?

What is the market's earnings forecast for Santander-Chile next quarter?

What were the key takeaways from Santander-Chile's earnings call?

Did Santander-Chile beat or miss consensus estimates last quarter?

What guidance did Santander-Chile's management provide for the next earnings period?

What were the key takeaways from Santander-Chile’s earnings call?

- **Strong Financial Performance**: Q3 2025 ROE of 24%, fee income up 8%, and efficiency ratio at industry-leading 35.9%.
- **2026 Guidance**: ROE 22-24%, with upside from post-election reforms and loan growth; NIM stable at 4%.
- **Key Risks**: Interchange fee reductions ($20M+ potential impact) and external macro volatility.
- **Asset Quality Improvement**: Cost of risk expected to decline to 1.3% in 2026, supported by digital strategy and client expansion.

**【Economic Overview】**
- Chilean GDP growth estimated at 2.4% for 2025 (2% for 2026), driven by non-mining sectors and potential post-election reforms.
- Inflation moderating to 3.6% by end-2025, with core inflation below 4%; Central Bank expects rate cuts to 4.5% by year-end.
- Regulatory updates: 50,000 mortgage subsidies approved, Open Finance implementation delayed, and interchange fee reductions under review.

**【Strategy & Results】**
- Q3 2025 net income: CLP 798 billion (+37% YoY), ROE 24%, efficiency ratio 35.9%.
- Fee income up 8% YoY, driven by digital clients (2.3M monthly active users) and transactional growth (12% YoY in financial transactions).
- NIM stable at 4%, cost of risk 1.4% YoY, with NPLs improving in commercial segment.
- CET1 ratio at 10.8%, well above regulatory requirements.

**【Q&A Highlights】**
- **Loan Growth Outlook**: Mid-single-digit growth in 2026, with upside from political reforms; consumer and mortgage segments resilient.
- **ROE Risks**: External macro volatility (commodity prices, trade policy) and potential interchange fee cuts ($20M+ impact if implemented).
- **Asset Quality**: Cost of risk expected to improve to 1.3% in 2026, driven by commercial NPL reductions.
- **Competitive Pressures**: Focused on digital differentiation and client engagement, with no material impact from peers' loan growth.

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