Banco Santander Chile's earnings call highlighted significant profit growth and strong digital strategy execution. However, economic uncertainties and challenges in the mortgage loan sector present concerns. The bank's operational efficiency and strategic digital investments are promising, yet external economic factors pose risks.

Company Guidance -

Q3 2025

In the Banco Santander-Chile First Quarter 2025 Earnings Conference Call, the bank provided guidance on several key financial metrics. The Chief Financial Officer, Patricia Perez, highlighted that the bank achieved a net profit of CLP 278 billion, marking a 131% increase compared to the same quarter last year, with a return on average equity (ROAE) of 25.6% and an efficiency ratio of 35%. The bank's net interest income (NII) grew by 42%, driven by a net interest margin (NIM) of 4.1%. Additionally, the bank's digital strategy led to a 17% growth in fees and a 40% increase in financial transactions year-on-year. The bank's cost of risk is projected to stabilize around 1.3% for 2025, with an ROAE expected to remain above 21%. The call also addressed the macroeconomic environment, predicting GDP growth of 2.1% for 2025 and inflation convergence with a UF forecast of 2.6% by the end of 2025.

Significant Increase in Net Profits

Banco Santander Chile achieved a net profit of CLP 278 billion, marking a 131% increase compared to the same quarter last year, with a return on average equity of 25.6%.

Strong Digital Strategy Performance

The bank's digital strategy led to a 17% growth in fees and a 40% growth in financial transactions year-on-year, supported by a significant increase in digital clients to over 2.3 million.

Efficient Operations

Banco Santander Chile maintained a best-in-class efficiency ratio of 35% and a Net Promoter Score of 57 points, indicating strong customer service performance.

Recognition and Awards

The bank was recognized as the best private bank in Chile by Euromoney.

Successful Cloud Migration

The bank successfully migrated its core banking systems to the cloud, enhancing its digital transformation efforts.

Banco Santander Chile (BSAC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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BSAC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 30, 2025	2025 (Q3)	0.59 / -	0.536	―	―	―
Jul 31, 2025	2025 (Q2)	0.65 / 0.60	0.491	21.59% (+0.11)	―	―
Apr 30, 2025	2025 (Q1)	0.59 / 0.61	0.268	129.48% (+0.35)	―	―
Feb 07, 2025	2024 (Q4)	0.56 / 0.59	0.425	40.00% (+0.17)		―
Oct 30, 2024	2024 (Q3)	0.52 / 0.54	0.135	297.04% (+0.40)
Jul 31, 2024	2024 (Q2)	0.50 / 0.49	0.315	55.87% (+0.18)
Apr 30, 2024	2024 (Q1)	0.30 / 0.27	0.359	-25.35% (-0.09)	―	―
Feb 02, 2024	2023 (Q4)	0.43 / 0.42	0.271	56.83% (+0.15)
Oct 31, 2023	2023 (Q3)	0.29 / 0.14	0.42	-67.86% (-0.28)
Aug 04, 2023	2023 (Q2)	0.37 / 0.32	0.674	-53.26% (-0.36)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BSAC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 31, 2025	$22.88	$23.01	+0.57%
Apr 30, 2025	$24.23	$24.09	-0.58%
Feb 07, 2025	$20.99	$20.90	-0.43%
Oct 30, 2024	$19.03	$18.88	-0.79%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Banco Santander Chile (BSAC) report earnings?

Banco Santander Chile (BSAC) is schdueled to report earning on Oct 30, 2025, Before Open (Confirmed).

What is Banco Santander Chile (BSAC) earnings time?

Banco Santander Chile (BSAC) earnings time is at Oct 30, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BSAC EPS forecast?

BSAC EPS forecast for the fiscal quarter 2025 (Q3) is 0.59.

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