Banco Santander-Chile (BSAC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 457.51B | 693.01B | 434.53B | 435.3B | 423.84B | 705.53B | 406.53B | 364B | 310.73B | 602.38B | 190.75B | 124.58B | 175.34B | 1.1T | 119.14B | 131.33B | 221.81B | 500.96B | 360.14B | 375.08B |
| NII Growth % | 7.94% | -1.77% | 6.89% | 19.59% | 36.4% | 17.12% | 113.12% | 192.19% | 77.21% | -45.13% | 60.11% | -5.14% | -20.95% | 119.15% | -66.92% | -64.99% | -39.37% | 12.92% | -5.62% | -1.38% |
| Net Interest Margin % | 0.65% | 1.02% | 0.64% | 0.66% | 0.63% | 1.03% | 0.62% | 0.53% | 0.42% | 0.85% | 0.26% | 0.18% | 0.25% | 1.6% | 0.16% | 0.19% | 0.36% | 0.78% | 0.57% | 0.64% |
| Interest Income | 832.3B | 1.25T | 857.43B | 853.7B | 838.02B | 1.35T | 884.37B | 882.8B | 980.88B | 1.54T | 987.38B | 948.74B | 923.5B | 2.13T | 780.63B | 662.09B | 515.45B | 1.05T | 451.5B | 445.01B |
| Interest Expense | 374.79B | 553.45B | 422.9B | 418.4B | 414.18B | 641.24B | 477.84B | 518.8B | 670.15B | 942B | 796.63B | 824.16B | 748.15B | 1.03T | 661.5B | 530.76B | 293.64B | 548.01B | 91.36B | 69.93B |
| Loan Loss Provision | -374.79B | 145.02B | 144.37B | 146.7B | 139.5B | 110.61B | -543.96B | 127.69B | 129.25B | -28.92B | 121.17B | 117.45B | 114.25B | 103.41B | 90.84B | 90.81B | 71.45B | 77.18B | 83.41B | 90.52B |
| Non-Interest Income | -98.88B | 556.13B | 231.19B | 340.1B | 214.44B | -104.24B | -325.92B | 340.67B | 183.74B | -178.81B | 238.56B | 399.81B | 210.78B | -853.09B | 513.8B | 584.41B | 153.22B | 134.79B | 221.6B | 121.77B |
| Non-Interest Income % | -13.48% | 30.85% | 21.24% | 28.49% | 20.38% | -8.39% | -58.36% | 27.84% | 15.78% | -13.09% | 19.46% | 29.65% | 18.58% | -66.89% | 39.69% | 46.88% | 22.91% | 11.39% | 32.92% | 21.48% |
| Total Revenue | 733.43B | 1.8T | 1.09T | 1.19T | 1.05T | 1.24T | 558.45B | 1.22T | 1.16T | 1.37T | 1.23T | 1.35T | 1.13T | 1.28T | 1.29T | 1.25T | 668.67B | 1.18T | 673.1B | 566.78B |
| Revenue Growth % | -30.31% | 45.07% | 94.94% | -2.42% | -9.63% | -9.01% | -54.45% | -9.28% | 2.67% | 7.07% | -5.29% | 8.19% | 69.63% | 7.74% | 92.31% | 119.93% | 20.36% | 64.82% | 18.74% | -13.59% |
| Non-Interest Expense | 397.04B | 824.36B | 216.87B | 302.07B | 164.24B | 156.03B | 288.52B | 297.05B | 206.67B | 133.14B | 233.23B | 267.42B | 114.25B | 55.97B | 341.7B | 300.4B | 12.77B | 237.46B | 268.58B | 162.78B |
| Efficiency Ratio | 54.13% | 45.73% | 19.92% | 25.3% | 15.61% | 12.56% | 51.67% | 24.28% | 17.75% | 9.75% | 19.02% | 19.83% | 10.07% | 4.39% | 26.4% | 24.1% | 1.91% | 20.06% | 39.9% | 28.72% |
| Operating Income | 336.39B | 279.77B | 304.48B | 326.64B | 334.53B | 334.65B | 335.18B | 279.93B | 158.55B | 319.34B | 74.9B | 139.52B | 157.63B | 85.37B | 200.4B | 324.52B | 290.82B | 321.11B | 229.75B | 243.54B |
| Operating Margin % | 45.87% | 15.52% | 27.97% | 27.36% | 31.79% | 26.93% | 60.02% | 22.88% | 13.61% | 23.39% | 6.11% | 10.35% | 13.9% | 6.69% | 15.48% | 26.04% | 43.49% | 27.13% | 34.13% | 42.97% |
| Operating Income Growth % | 0.55% | -16.4% | -9.16% | 16.69% | 111% | 4.79% | 347.53% | 100.64% | 0.58% | 274.08% | -62.63% | -57.01% | -45.8% | -73.42% | -12.77% | 33.25% | 24.34% | 21.43% | 50.63% | 111.1% |
| Pretax Income | 336.39B | 279.77B | 304.48B | 326.64B | 334.53B | 334.65B | 306.47B | 279.93B | 158.55B | 319.34B | 74.9B | 139.52B | 157.63B | 85.37B | 200.4B | 324.52B | 290.82B | 321.11B | 229.75B | 243.54B |
| Pretax Margin % | 45.87% | 15.52% | 27.97% | 27.36% | 31.79% | 26.93% | 54.88% | 22.88% | 13.61% | 23.39% | 6.11% | 10.35% | 13.9% | 6.69% | 15.48% | 26.04% | 43.49% | 27.13% | 34.13% | 42.97% |
| Income Tax | 55.91B | 51.13B | 53.61B | 49.82B | 52.8B | 65.61B | 59.36B | 59.27B | 35.51B | 59.74B | 13.28B | 6.69B | 17.84B | -3.06B | 10.53B | 35.04B | 51.11B | 55.52B | 50.03B | 53.97B |
| Effective Tax Rate % | 16.62% | 18.28% | 17.61% | 15.25% | 15.78% | 19.61% | 19.37% | 21.17% | 22.39% | 18.71% | 17.73% | 4.79% | 11.32% | -3.58% | 5.26% | 10.8% | 17.57% | 17.29% | 21.78% | 22.16% |
| Net Income | 273.19B | 223.78B | 247.51B | 272.56B | 277.8B | 271.86B | 243.13B | 217.72B | 120.25B | 259.94B | 56.62B | 127.19B | 135.68B | 85.43B | 185.59B | 285.51B | 235.74B | 262.63B | 176.5B | 188.04B |
| Net Margin % | 37.25% | 12.41% | 22.74% | 22.83% | 26.4% | 21.88% | 43.54% | 17.8% | 10.33% | 19.04% | 4.62% | 9.43% | 11.96% | 6.7% | 14.34% | 22.91% | 35.26% | 22.19% | 26.22% | 33.18% |
| Net Income Growth % | -1.66% | -17.68% | 1.8% | 25.19% | 131.01% | 4.58% | 329.44% | 71.18% | -11.37% | 204.28% | -69.49% | -55.45% | -42.44% | -67.47% | 5.15% | 51.83% | 29.51% | 22.95% | 53.59% | 121.6% |
| Net Income (Continuing) | 280.48B | 228.63B | 250.87B | 276.82B | 281.74B | 269.04B | 247.12B | 220.65B | 123.04B | 259.6B | 61.62B | 132.83B | 139.79B | 88.42B | 189.87B | 289.49B | 239.71B | 265.6B | 179.71B | 189.57B |
| EPS (Diluted) | 580.00 | 540.00 | 524.00 | 580.00 | 588.00 | 588.00 | 516.00 | 464.00 | 256.00 | 552.00 | 120.00 | 268.00 | 288.00 | 180.00 | 392.00 | 608.00 | 500.00 | 492.00 | 376.00 | 400.00 |
| EPS Growth % | -1.36% | -8.16% | 1.55% | 25% | 129.69% | 6.52% | 330% | 73.13% | -11.11% | 206.67% | -69.39% | -55.92% | -42.4% | -63.41% | 4.26% | 52% | 28.87% | 16.04% | 54.1% | 112.77% |
| EPS (Basic) | 580.00 | 540.00 | 524.00 | 580.00 | 588.00 | 588.00 | 516.00 | 464.00 | 256.00 | 552.00 | 120.00 | 268.00 | 288.00 | 180.00 | 392.00 | 608.00 | 500.00 | 492.00 | 376.00 | 400.00 |
| Diluted Shares Outstanding | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.19M | 471.12M | 469.73M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M | 471.12M |