Banco Santander-Chile Reports Solid 2025 Results with Strong Profitability and Capital Base

An update from Banco Santander Chile ( (BSAC) ) is now available.

On January 13, 2026, Banco Santander-Chile filed a Form 6-K with the U.S. Securities and Exchange Commission, reporting consolidated financial information for the period ended December 31, 2025. The bank disclosed total assets of approximately MCh$68,095 million, underpinned by a loan book of about MCh$39,592 million and financial instruments of MCh$9,838 million, funded largely by demand and time deposits totaling roughly MCh$31,047 million and issued debt and regulatory capital instruments of MCh$10,370 million. For the 2025 period, the bank generated net interest income of MCh$2,017 million and net fee and commission income of MCh$596 million, contributing to total operating income of MCh$2,879 million; after provisioning MCh$573 million for loan losses, support expenses of MCh$936 million, and other negative results, income before tax reached MCh$1,278 million and net income was MCh$1,070 million, of which MCh$1,053 million was attributable to the bank’s equity holders. The results, signed off by the Chief Accounting Officer and Chief Executive Officer, highlight the bank’s continued profitability and solid capital base, with total equity of MCh$4,790 million as of year-end 2025, reinforcing its position in the Chilean banking sector and providing shareholders and creditors with an updated view of asset quality, earnings capacity, and balance sheet strength.

The most recent analyst rating on (BSAC) stock is a Sell with a $29.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page.

Spark’s Take on BSAC Stock

According to Spark, TipRanks’ AI Analyst, BSAC is a Neutral.

Banco Santander Chile’s overall stock score is driven by strong earnings call insights and positive technical indicators. While the financial performance shows robust profitability, challenges with revenue growth and leverage are concerns. The valuation is fair, and the dividend yield is attractive. Political and economic uncertainties are notable risks.

To see Spark’s full report on BSAC stock, click here.

More about Banco Santander Chile

Banco Santander-Chile is a leading Chilean commercial bank that provides a broad range of financial services, including consumer and commercial lending, deposit products, and capital markets services. Operating through Banco Santander Chile and its subsidiaries, the institution focuses on retail and corporate banking in the Chilean market, supported by a substantial loan portfolio and diversified funding through customer deposits and issued debt instruments.

Average Trading Volume: 289,276

Technical Sentiment Signal: Buy

Current Market Cap: $15.6B

Find detailed analytics on BSAC stock on TipRanks’ Stock Analysis page.