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- **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.

Banco Santander-Chile (BSAC) Q3 2025 Earnings Call Transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

BSAC

BSAC fundamentals

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