Banco Santander-Chile(BSAC)Earnings, Financials & Key Ratios
BSAC•NYSE•Banking & Credit
0.0× P/E·Price updated Jun 17, 2026
AboutBanco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail Banking, Middle-Market, Corporate Investment Banking, and Corporate Activities segments. The company offers debit and credit cards, checking accounts, and savings products; consumer, automobile, commercial, mortgage, and government-guaranteed loans; and Chilean peso and foreign currency denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines, as well as mortgage financing services. It also provides mutual funds, insurance and securities brokerage, foreign exchange, financial leasing, factoring, financial consulting and advisory, investment management, foreign trade, treasury, and transactional services, as well as specialized services to finance projects for the real estate industry. In addition, the company offers short-term financing and fund raising, and brokerage services, as well as derivatives, securitization, and other tailor-made products. It serves individuals, small to middle-sized entities, companies, and large corporations, as well as universities, government entities, and local and regional governments. As of December 31, 2021, the company operated 326 branches, which include 220 under the Santander brand name, 14 under the Select brand name, 7 specialized branches for the middle market, and 22 as auxiliary and payment centers, as well as 1,338 ATMs, including depository ATMs. Banco Santander-Chile was incorporated in 1977 and is headquartered in Santiago, Chile.Show more
- Net Interest Income$1986.68B+11.2%
- Total Revenue$4660.08B-5.0%
- Net Income$1021.65B+19.8%
- Return on Equity18.42%+15.3%
- Net Interest Margin2.92%+11.6%
- Efficiency Ratio22.11%+7.2%
- ROA1.5%+22.4%
- Equity / Assets8.42%+7.4%
- Book Value per Share999999.00+8691.2%
BSAC Key Insights
Banco Santander-Chile (BSAC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 22.1% efficiency ratio
- ✓Good 3Y average ROE of 15.2%
- ✓Share count reduced 99.8% through buybacks
- ✓Trading at only 0.0x book value
✗Weaknesses
- ✗High debt to equity ratio of 2.8x
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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BSAC Price & Volume
Banco Santander-Chile (BSAC) stock price & volume — 10-year historical chart
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BSAC Growth Metrics
Banco Santander-Chile (BSAC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.57%
5 Years11.73%
3 Years-0.43%
TTM-
Profit CAGR
10 Years8.58%
5 Years13.28%
3 Years8.85%
TTM23.48%
EPS CAGR
10 Years98.28%
5 Years277.67%
3 Years710.48%
TTM22.37%
Return on Capital
10 Years2.13%
5 Years2.09%
3 Years2.13%
Last Year3.41%
BSAC Recent Earnings
Banco Santander-Chile (BSAC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 4/12 qtrs (40%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.63+1.6%
$0.62
Rev
$807M-0.5%
$811M
Q1 2026
Jan 30, 2026Metric
Actual
Est
EPS
$0.59+0.0%
$0.59
Rev
$835M+6.8%
$782M
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.50-15.8%
$0.59
Rev
$1.1B
—
Q3 2025
Jul 31, 2025Metric
Actual
Est
EPS
$0.60-3.2%
$0.62
Rev
$443M-41.9%
$763M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.63vs $0.62+1.6% | $807Mvs $811M-0.5% |
| Q1 2026 | Jan 30, 2026 | $0.59vs $0.59+0.0% | $835Mvs $782M+6.8% |
| Q4 2025 | Oct 30, 2025 | $0.50vs $0.59-15.8% | $1.1B |
| Q3 2025 | Jul 31, 2025 | $0.60vs $0.62-3.2% | $443Mvs $763M-41.9% |
Based on last 12 quarters of dataView full earnings history →
BSAC Peer Comparison
Banco Santander-Chile (BSAC) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 BCH | 20.33B | 40.25 | 15.11 | -34.9% | 39.4% | 21.25% | 1.96 | |
 BBD | 36.28B | 3.43 | 7.99 | 37.11% | 6.78% | 13.25% | 4.46 | |
 ITUB | 87.84B | 7.97 | 10.34 | 18.03% | 11.66% | 20.64% | 4.71 | |
 SAN | 195.66B | 13.33 | 13.20 | -7.71% | 18.79% | 12.76% | 4.40 | |
 BSBR | 40.22B | 5.37 | 16.80 | 17.45% | 8.04% | 10.21% | 1.03 | |
 BAP | 30.74B | 386.94 | 15.21 | 7.11% | 25.03% | 19.31% | 0.93 | |
 GGAL | 8.92B | 55.55 | 56.12 | 27.51% | 1.36% | 2.69% | 0.47 | |
 BMA | 6.3B | 98.53 | 26.80 | -10.04% | 7.8% | 0.03% | 0.29 |
Compare BSAC vs Peers
Banco Santander-Chile (BSAC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BSAC Income Statement
Banco Santander-Chile (BSAC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 1.33T | 1.41T | 1.42T | 1.59T | 1.79T | 1.57T | 1.09T | 1.79T | 1.99T |
NII Growth % | 3.54% | 6.61% | 0.18% | 12.48% | 12.61% | -12.52% | -30.38% | 63.47% | 11.19% |
Net Interest Margin % | 3.71% | 3.61% | 2.8% | 2.86% | 2.81% | 2.29% | 1.54% | 2.61% | 2.92% |
Interest Income | 2.06T | 2.24T | 2.32T | 2.23T | 2.9T | 4.09T | 4.4T | 4.09T | 3.8T |
Interest Expense | 731.75B | 829.95B | 904.42B | 638.48B | 1.11T | 2.52T | 3.31T | 2.31T | 1.81T |
Loan Loss Provision | 302.25B | 317.41B | 323.31B | 478.26B | 291.23B | 356.49B | 322.79B | 504.59B | 575.31B |
Non-Interest Income | 412.81B | 398.88B | 489.24B | 443.48B | 469.11B | 633.81B | 817.79B | 808.42B | 864.47B |
Non-Interest Income % | 16.7% | 15.09% | 17.41% | 16.57% | 13.91% | 13.43% | 15.66% | 16.49% | 18.55% |
Total Revenue | 2.47T▲ 0% | 2.64T▲ 7.0% | 2.81T▲ 6.3% | 2.68T▼ 4.8% | 3.37T▲ 26.1% | 4.72T▲ 39.9% | 5.22T▲ 10.6% | 4.9T▼ 6.1% | 4.66T▼ 5.0% |
Revenue Growth % | -2.28% | 6.96% | 6.33% | -4.8% | 26.08% | 39.92% | 10.62% | -6.1% | -4.96% |
Non-Interest Expense | 719.78B | 732.78B | 788.2B | 863.8B | 898.56B | 946.32B | 896.67B | 1.01T | 1.03T |
Efficiency Ratio | 29.13% | 27.72% | 28.04% | 32.28% | 26.63% | 20.05% | 17.17% | 20.62% | 22.11% |
Operating Income | 717.46B▲ 0% | 763.07B▲ 6.4% | 794.69B▲ 4.1% | 695.26B▼ 12.5% | 1.07T▲ 54.5% | 901.11B▼ 16.1% | 691.38B▼ 23.3% | 1.08T▲ 56.1% | 1.25T▲ 15.4% |
Operating Margin % | 29.03% | 28.87% | 28.27% | 25.98% | 31.84% | 19.09% | 13.24% | 22.02% | 26.73% |
Operating Income Growth % | 22.13% | 6.36% | 4.14% | -12.51% | 54.49% | -16.11% | -23.27% | 56.15% | 15.36% |
Pretax Income | 717.46B▲ 0% | 763.07B▲ 6.4% | 794.69B▲ 4.1% | 695.26B▼ 12.5% | 1.07T▲ 54.5% | 901.11B▼ 16.1% | 691.38B▼ 23.3% | 1.08T▲ 56.1% | 1.25T▲ 15.4% |
Pretax Margin % | 29.03% | 28.87% | 28.27% | 25.98% | 31.84% | 19.09% | 13.24% | 22.02% | 26.73% |
Income Tax | 145.03B | 167.14B | 175.07B | 142.53B | 221.66B | 93.62B | 97.55B | 219.75B | 207.36B |
Effective Tax Rate % | 20.21% | 21.9% | 22.03% | 20.5% | 20.64% | 10.39% | 14.11% | 20.35% | 16.65% |
Net Income | 562.8B▲ 0% | 595.33B▲ 5.8% | 619.09B▲ 4.0% | 547.61B▼ 11.5% | 842.47B▲ 53.8% | 792.28B▼ 6.0% | 579.43B▼ 26.9% | 852.96B▲ 47.2% | 1.02T▲ 19.8% |
Net Margin % | 22.77% | 22.52% | 22.03% | 20.47% | 24.97% | 16.78% | 11.1% | 17.4% | 21.92% |
Net Income Growth % | 18.22% | 5.78% | 3.99% | -11.55% | 53.84% | -5.96% | -26.87% | 47.21% | 19.78% |
Net Income (Continuing) | 572.43B | 595.92B | 619.61B | 552.73B | 852.43B | 807.48B | 593.84B | 859.85B | 1.04T |
EPS (Diluted) | 1200.00▲ 0% | 1256.00▲ 4.7% | 1316.00▲ 4.8% | 1164.00▼ 11.6% | 1788.00▲ 53.6% | 1680.00▼ 6.0% | 1052.00▼ 37.4% | 1812.00▲ 72.2% | 894400.00▲ 49259.8% |
EPS Growth % | 19.52% | 4.67% | 4.78% | -11.55% | 53.61% | -6.04% | -37.38% | 72.24% | 49259.82% |
EPS (Basic) | 1200.00 | 1256.00 | 1316.00 | 1164.00 | 1788.00 | 1680.00 | 1052.00 | 1812.00 | 894400.00 |
Diluted Shares Outstanding | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 1.18M |
BSAC Balance Sheet
Banco Santander-Chile (BSAC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 5.02T | 5.06T | 8.51T | 11.16T | 11.14T | 11.3T | 10.52T | 7.61T | 6.64T |
Cash & Due from Banks | 2.45T | 2.59T | 4.22T | 3.87T | 5.26T | 5.27T | 5.78T | 5.12T | 5.24T |
Short Term Investments | 2.57T | 2.47T | 4.28T | 7.3T | 5.87T | 6.03T | 4.74T | 2.5T | 1.4T |
Total Investments | 5.71T | 35.02T | 8.64T | 14.67T | 56.55T | 17.02T | 17.71T | 61.43T | 57.42T |
Investments Growth % | -21.17% | 512.81% | -75.32% | 69.74% | 285.5% | -69.91% | 4.09% | 246.86% | -6.53% |
Long-Term Investments | 3.14T | 32.55T | 4.36T | 7.37T | 50.68T | 10.98T | 12.97T | 58.94T | 56.02T |
Accounts Receivables | 59.57B | 59.51B | 147.11B | 100.5B | 92.04B | 184.99B | 199.75B | 209.71B | 99.44B |
Goodwill & Intangibles | 63.22B | 66.92B | 73.39B | 82.54B | 95.41B | 107.79B | 97.55B | 88.67B | 91.47B |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 63.22B | 66.92B | 73.39B | 82.54B | 95.41B | 107.79B | 97.55B | 88.67B | 91.47B |
PP&E (Net) | 242.55B | 253.59B | 408.33B | 388.85B | 374.82B | 371.89B | 352.27B | 312.64B | 272.44B |
Other Assets | -371.09B | 136.02B | -462.87B | 0 | 226.65B | -641.25B | -553.48B | 81.86B | 4.59T |
Total Current Assets | 6.67T | 5.73T | 8.78T | 11.37T | 11.76T | 11.81T | 10.9T | 8.98T | 6.79T |
Total Non-Current Assets | 3.45T | 33.4T | 4.84T | 7.84T | 52.09T | 11.46T | 13.42T | 59.42T | 61.36T |
Total Assets | 35.8T▲ 0% | 39.13T▲ 9.3% | 50.57T▲ 29.2% | 55.7T▲ 10.1% | 63.84T▲ 14.6% | 68.42T▲ 7.2% | 71.09T▲ 3.9% | 68.4T▼ 3.8% | 68.15T▼ 0.4% |
Asset Growth % | -3.25% | 9.3% | 29.24% | 10.14% | 14.61% | 7.17% | 3.9% | -3.78% | -0.37% |
Return on Assets (ROA) | 1.55% | 1.59% | 1.38% | 1.03% | 1.41% | 1.2% | 0.83% | 1.22% | 1.5% |
Accounts Payable | 370.24B | 344.06B | 375.71B | 376.22B | 607.95B | 603.01B | 492.28B | 528.72B | 647.79B |
Total Debt | 8.81T | 10.17T | 13.6T | 14.69T | 10.38T | 10.9T | 12.71T | 14.73T | 15.88T |
Net Debt | 6.36T | 7.58T | 9.37T | 10.83T | 5.12T | 5.63T | 6.93T | 9.61T | 10.64T |
Long-Term Debt | 8.81T | 9.95T | 13.44T | 14.55T | 10.15T | 10.45T | 12.32T | 14.38T | 13.08T |
Short-Term Debt | 0 | 48.55B | 0 | 0 | 86.63B | 315.36B | 282.58B | 276.59B | 2.76T |
Other Liabilities | 0 | 3.51T | 0 | 0 | 21.69T | 0 | 0 | 17.92T | 16.57T |
Total Current Liabilities | 210.84B | 22.24T | 223.73B | 241.43B | 27.02T | 442.67B | 513B | 30.69T | 32.72T |
Total Non-Current Liabilities | 8.82T | 13.65T | 13.7T | 14.83T | 32.39T | 10.94T | 12.62T | 32.36T | 29.69T |
Total Liabilities | 32.7T | 35.89T | 47.1T | 52T | 59.41T | 63.46T | 65.77T | 63.04T | 62.41T |
Total Equity | 3.11T▲ 0% | 3.25T▲ 4.4% | 3.48T▲ 7.2% | 3.7T▲ 6.5% | 4.43T▲ 19.5% | 4.96T▲ 12.1% | 5.32T▲ 7.1% | 5.36T▲ 0.8% | 5.74T▲ 7.0% |
Equity Growth % | 7.25% | 4.42% | 7.18% | 6.5% | 19.51% | 12.11% | 7.12% | 0.78% | 7.04% |
Equity / Assets (Capital Ratio) | 8.68% | 8.29% | 6.88% | 6.65% | 6.94% | 7.25% | 7.48% | 7.83% | 8.42% |
Return on Equity (ROE) | 18.74% | 18.74% | 18.41% | 15.25% | 20.72% | 16.87% | 11.27% | 15.98% | 18.42% |
Book Value per Share | 6597.24 | 6888.89 | 7383.55 | 7863.84 | 9398.07 | 10536.59 | 11287.23 | 11375.04 | 999999.00 |
Tangible BV per Share | 6463.05 | 6746.83 | 7227.77 | 7688.64 | 9195.54 | 10307.79 | 11080.17 | 11186.83 | 4793667.24 |
Common Stock | 891.3B | 891.3B | 891.3B | 891.3B | 891.3B | 891.3B | 891.3B | 891.3B | 891.3B |
Additional Paid-in Capital | 0 | 891.3B | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 395.37B | 373.62B | 393.68B | 410.5B | 647.07B | 679.44B | 537.46B | 499.17B | 661.6B |
Accumulated OCI | 1.78T | 1.04T | 2.11T | 2.32T | 2.2T | 2.69T | 3.16T | 3.17T | 3.43T |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
BSAC Cash Flow Statement
Banco Santander-Chile (BSAC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | -416.36B | 1.02T | 1.86T | -819.99B | -3.19T | -358.99B | -2.17T | 482.39B | 704.9B |
Operating CF Growth % | -156.56% | 345.58% | 81.48% | -144.19% | -288.65% | 88.74% | -503.16% | 122.28% | 46.13% |
Net Income | 575.25B | 599.69B | 621.31B | 215.99B | 842.47B | 792.28B | 496.4B | 852.96B | 1.05T |
Depreciation & Amortization | 77.82B | 79.28B | 106.09B | 109.43B | 122.06B | 129.99B | 143.76B | 141.44B | 0 |
Deferred Taxes | -6.75B | -25.52B | 37.43B | -28.46B | 0 | -52.18B | 0 | 12.66B | 0 |
Other Non-Cash Items | 47.98B | 1.24T | 1.61T | -417.48B | 592.28B | -304.13B | -175.53B | -994.43B | -831.96B |
Working Capital Changes | -1.11T | -867.54B | -516.45B | -697.87B | -4.74T | -923.77B | -2.63T | 470.59B | 483.65B |
Cash from Investing | -73.46B | -91.56B | -141.79B | -70.11B | -84.27B | -94.6B | -100.08B | -106.58B | -1.29T |
Purchase of Investments | -3M | 0 | -62.14B | -3.02T | 0 | -647.48B | 0 | 0 | 0 |
Sale/Maturity of Investments | 0 | 0 | 1.93B | 3.01T | 0 | 628.79B | 0 | 0 | 0 |
Net Investment Activity | -3M | 0 | -60.21B | -7.57B | 0 | -18.69B | 0 | 0 | 0 |
Acquisitions | -3M | 0 | 0 | 7.57B | 0 | 18.69B | 0 | 0 | 0 |
Other Investing | -14.68B | -23.24B | -24.19B | 15.68B | -26.28B | 18.69B | -43.42B | -43.42B | -1.29T |
Cash from Financing | -330.64B | -423.61B | -385.29B | 102.09B | 2.83T | -384.32B | 2.95T | -372.85B | -50.06B |
Dividends Paid | -330.64B | -423.61B | -355.14B | -331.25B | -310.47B | -464.98B | -485.19B | -347.48B | -570.84B |
Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Debt Issuance (Net) | 0 | 0 | -1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K |
Other Financing | 0 | 0 | 0 | 0 | 2.59T | 0 | 3T | 0 | -546.66B |
Net Change in Cash | -851.86B▲ 0% | 621.81B▲ 173.0% | 1.46T▲ 134.0% | -816.71B▼ 156.1% | -2.73B▲ 99.7% | -812.01B▼ 29698.5% | 680.84B▲ 183.8% | 10.28B▼ 98.5% | -2.77T▼ 27060.5% |
Exchange Rate Effect | -31.4B | 114.5B | 126.67B | -28.71B | 437.56B | 25.9B | -1.78B | 7.32B | 637.69B |
Cash at Beginning | 2.49T | 1.63T | 2.26T | 3.71T | 2.89T | 2.89T | 2.08T | 2.76T | 2.77T |
Cash at End | 1.63T | 2.26T | 3.71T | 2.89T | 2.89T | 2.08T | 2.76T | 2.77T | 0 |
Interest Paid | 0 | 0 | 0 | 0 | 1.11T | 0 | 4.11T | 0 | 0 |
Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Free Cash Flow | -507.75B▲ 0% | 924.6B▲ 282.1% | 1.77T▲ 90.9% | -905.78B▼ 151.3% | -3.24T▼ 258.2% | -472.28B▲ 85.4% | -2.22T▼ 370.5% | 374.67B▲ 116.9% | 624.4B▲ 66.7% |
FCF Growth % | -178.54% | 282.1% | 90.93% | -151.31% | -258.25% | 85.45% | -370.47% | 116.86% | 66.66% |
BSAC Banking Ratios
Banco Santander-Chile (BSAC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 16.7% | 18.74% | 18.74% | 18.41% | 15.25% | 20.72% | 16.87% | 11.27% | 15.98% | 18.42% |
Return on Assets (ROA) | 1.33% | 1.55% | 1.59% | 1.38% | 1.03% | 1.41% | 1.2% | 0.83% | 1.22% | 1.5% |
Net Interest Margin | 3.46% | 3.71% | 3.61% | 2.8% | 2.86% | 2.81% | 2.29% | 1.54% | 2.61% | 2.92% |
Efficiency Ratio | 29.41% | 29.13% | 27.72% | 28.04% | 32.28% | 26.63% | 20.05% | 17.17% | 20.62% | 22.11% |
Equity / Assets | 7.83% | 8.68% | 8.29% | 6.88% | 6.65% | 6.94% | 7.25% | 7.48% | 7.83% | 8.42% |
Book Value / Share | 6.15K | 6.6K | 6.89K | 7.38K | 7.86K | 9.4K | 10.54K | 11.29K | 11.38K | 1000K |
NII Growth | 2.08% | 3.54% | 6.61% | 0.18% | 12.48% | 12.61% | -12.52% | -30.38% | 63.47% | 11.19% |
Dividend Payout | 70.72% | 58.75% | 71.16% | 57.36% | 60.49% | 36.85% | 58.69% | 83.74% | 40.74% | 55.87% |
Related:BSAC Dividend History·BSAC Revenue History·BSAC Price History·BSAC P/E History·BSAC Financial Ratios·BSAC Institutional Holders
BSAC Frequently Asked Questions
Banco Santander-Chile (BSAC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Banco Santander-Chile (BSAC) saw revenue decline by 5.0% over the past year.
Yes, Banco Santander-Chile (BSAC) is profitable, generating $1.05T in net income for fiscal year 2025 (21.9% net margin).
Dividend & Returns
Yes, Banco Santander-Chile (BSAC) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.
Banco Santander-Chile (BSAC) has a return on equity (ROE) of 18.4%. This is reasonable for most industries.
Industry Metrics
Banco Santander-Chile (BSAC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
Banco Santander-Chile (BSAC) has an efficiency ratio of 22.1%. This is excellent, indicating strong cost control.