The earnings call reflects a strong financial performance with record ROE and successful digital transformation, alongside challenges in loan growth and regulatory uncertainty. The positive achievements in efficiency and asset quality improvements are tempered by concerns over future growth prospects and political risks.

Company Guidance

In the Banco Santander-Chile's Second Quarter 2025 Earnings Conference Call, several key metrics and guidance points were discussed. The bank reported a net income of CLP 273 billion for the second quarter, resulting in a return on equity (ROE) of 24.5%. The net interest margin (NIM) stabilized around 4.1%, improving by 100 basis points from the previous year due to tighter cost control and balance sheet improvements. The bank's efficiency ratio reached an impressive 35.3%, marking the best in the Chilean industry, while the recurrence ratio was 62%, indicating effective fee generation. Loan growth was adjusted to low single digits, with consumer loans expected to grow slightly faster than the overall portfolio. The bank's cost of risk is projected to close the year around 1.35%, with an ongoing focus on maintaining asset quality. For the full year, the bank anticipates an ROE between 21% and 23%, supported by a strong performance in fee income, which grew 16.3% year-on-year. Additionally, the bank's CET1 ratio stood at 10.9%, demonstrating robust capital adequacy above the regulatory requirement.

Record ROE Performance

Banco Santander Chile achieved an ROE of 25.1% in the first 6 months of 2025, with net income of CLP 550 billion, marking the fifth consecutive quarter with an ROE above 20%.

Digital Transformation Milestone

Successfully migrated legacy mainframe services to the cloud, operating 100% on the cloud since the first quarter of 2025, enhancing digital banking capabilities.

Strong Client Growth and Fee Generation

The bank has 4.5 million clients, with a 10% year-on-year increase in current accounts, driving a 16.3% year-on-year growth in fees and financial transaction results.

Efficiency Improvements

Efficiency ratio improved to 35.3%, the best in the Chilean industry in 2025, with a recurrence ratio of 62%.

Positive Asset Quality Trends

NPL and impaired portfolio showed a reduction in absolute value and as a ratio in terms of total loans, demonstrating improvements in asset quality.

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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