Banco Santander-Chile Announces Second Quarter 2025 Earnings

Banco Santander-Chile Announces Second Quarter 2025 Earnings

Benzinga
July 31, 2025

SANTIAGO, Chile, July 31, 2025 (GLOBE NEWSWIRE) -- Banco Santander Chile (NYSE:BSAC, SSE: Bsantander)) announced today its results1 for the six-month period ended June 30, 2025, and second quarter 2025 (2Q25).

Solid financial performance with a ROAE2 of 24.5% in 2Q253, the fifth consecutive quarter with a ROAE above 20%.

As of June 30, 2025, the Bank's net income attributable to shareholders totaled $550 billion ($2.92 per share and $1.25 per ADR), representing an increase of 62.8% YoY4 and with an ROAE of 25.1% in 6M255 compared to an ROAE of 15.8% in 6M246. The increase in results is explained by an increase in the Bank's main revenue lines. Operating income increased 22.0% YoY and 12.6% compared to the second quarter of 2024 (2Q24), driven by a better net interest and readjustment income and higher fees and results from financial transactions.

Compared to the previous quarter (1Q25), net income attributable to shareholders decreased slightly by 0.5%. The UF variation in 2Q25 was lower than in 1Q25, which reduced QoQ7 adjustment gains. The quarter also saw lower results from financial transactions and higher loan loss provisions. This was offset by higher interest income and cost controls. This marked the ROAE of 24.5% in 2Q25, the fifth consecutive quarter with ROAEs above 20%.

Strong recovery of NIM8, reaching 4.1% in 2Q25

Accumulated net interest and readjustment income (NII) as of June 30, 2025, increased 26.0% compared to the same period in 2024. This increase in NII was due to higher net interest income due to the effect of a lower monetary policy rate on our funding cost, which fell from 5.0% to 3.9% in 6M25. The increase is also explained by higher readjustment income, resulting from a greater variation in the UF during the period.

Compared to 1Q25, net interest and readjustment income increased 1.2% ...

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