Banco Santander Chile

Banco Santander Chile reported Q2 2026 net income attributable to shareholders of 382.6 billion CLP (+40% y/y) and earnings per share of $0.8517 (estimate $0.6895), while revenue of $867.17 million was slightly below expectations. Return on equity reached 31.5% for the quarter; management raised its full-year ROE guidance to above 24%. Loan volumes, deposits and customer funds increased; the cost-to-income ratio was 31.6% in H1 and the bank emphasized high efficiency, disciplined risk management and a digital branch strategy. For 2026 the bank expects loan growth at the lower end of the mid-single-digit range (~4.5%), a net interest margin of around 4.1% and risk costs of about 1.35%. » Altro su de.investing.com

Banco Santander Chile reported Q1 2026 earnings per share of USD 0.6423 (above expectations) but missed revenue with USD 798.04 million (‑2.18% versus analysts' estimates), after which the stock fell 2.4% in pre-market trading. The bank defended its position as Chile’s most efficient bank with an efficiency ratio of 32.5% thanks to strict cost management and digital transformation. ROE remained robust at 23.0%; net interest income grew despite falling inflation, while loan volumes were slightly down; liquidity and capital ratios remain strong. Management confirmed most full-year targets and plans further customer and digital growth, but investors remain cautious due to the revenue shortfall and possible overvaluation. » Altro su de.investing.com

Santander Chile reported Q4 2025 net income of Ch$1.053 billion (+23%) and earnings per share of $0.58, missing the analyst estimate of $0.595. Return on equity rose to 23.5%, revenues were $793.36 million (3.3% above expectations) and net interest margin was 4.0%. The cost-to-income ratio improved to 36.0% and the CET1 ratio remained solid at 11.0%, while NPLs and risk costs increased slightly. For 2026 the bank expects mid-single-digit medium-term loan growth, a NIM of around 4%, a target ROAE of 22–24% and a payout ratio of 60–70%. » Altro su de.investing.com