Banco Santander-Chile (BSAC) Balance Sheet

NYSE: BSACAssets, liabilities, debt and equity over 10 years.

BSAC balance sheet, 2025

December 31, 2025 · CLP

CLP 68.15T assets = CLP 62.41T liabilities + CLP 5.74T equity

Both columns are drawn to the same scale: what BSAC owns equals what it owes plus shareholders’ equity. Hover a block for its value.

BSAC financial health

Debt / equity2.83

High leverage · CLP 2.83 of debt for each $1 of equity

Cash / debt41.8%

Low cash cover · cash & short-term investments vs total debt

Goodwill & intangibles0.1%

Mostly tangible · of total assets

Descriptive bands, not a rating. Fiscal 2025.

BSAC balance sheet trends, 2016–2025

Banco Santander-Chile balance sheet trends
Metric	Then	Latest	Change
Total assets	CLP 37.01T2016	CLP 68.15T2025	+7.0%/yr
Total liabilities	CLP 34.11T2016	CLP 62.41T2025	+6.9%/yr
Shareholders’ equity	CLP 2.90T2016	CLP 5.62T2025	+7.6%/yr
Cash & short-term investments	CLP 6.56T2016	CLP 6.64T2025	+0.1%/yr
Total debt	CLP 12.65T2016	CLP 15.88T2025	+2.6%/yr
Net cash (debt)	−CLP 6.09T2016	−CLP 9.24T2025	CLP 3.1T
Working capital	CLP 7.89T2016	−CLP 25.93T2025	CLP 33.8T
Debt / equity	4.372016	2.832025	−1.54
Shares outstanding	471.1M2016	471.1M2025	−0.0%/yr

Change is the average annual growth (CAGR) or the difference between the first and latest year.

BSAC assets

Cash & ST investmentsReceivablesInventoryOther currentPP&EGoodwill & intangiblesLT investmentsOther non-current

BSAC liabilities and equity

Current liabilitiesLong-term debtOther long-term liabilitiesEquity

BSAC debt vs cash

Total debtCash & ST investmentsNet cash (debt)

Debt includes short- and long-term borrowings and, where reported, lease obligations.

BSAC balance sheet in CLP

Banco Santander-Chile annual balance sheet
	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash & short-term investments	CLP 6.64T	CLP 3.27T	CLP 10.52T	CLP 11.30T	CLP 11.14T	CLP 11.16T	CLP 8.51T	CLP 5.06T	CLP 5.02T	CLP 6.56T
Cash & equivalents	CLP 5.24T	CLP 3.27T	CLP 5.78T	CLP 5.27T	CLP 5.26T	CLP 3.87T	CLP 4.22T	CLP 2.42T	CLP 2.45T	CLP 3.17T
Short-term investments	CLP 1.40T	CLP 1.95T	CLP 4.74T	CLP 6.03T	CLP 5.88T	CLP 7.30T	CLP 4.28T	CLP 2.39T	CLP 2.57T	CLP 3.39T
Receivables	CLP 99.44B	CLP 1.29T	CLP 382.23B	CLP 509.03B	CLP 338.47B	CLP 203.55B	CLP 270.82B	CLP 190.36B	CLP 1.65T	CLP 1.65T
Inventory	CLP 0	CLP 0	−CLP 14.36T	−CLP 15.45T	−CLP 13.53T	−CLP 12.70T	−CLP 12.71T	−CLP 6.12T	−CLP 5.74T	−CLP 6.49T
Other current assets	CLP 51.04B	CLP 84.31B	CLP 14.53T	CLP 15.45T	CLP 13.53T	CLP 12.70T	CLP 12.71T	CLP 6.12T	CLP 5.74T	CLP 6.49T
Total current assets	CLP 6.79T	CLP 4.64T	CLP 11.07T	CLP 11.81T	CLP 11.48T	CLP 11.37T	CLP 8.78T	CLP 5.25T	CLP 6.67T	CLP 8.21T
Property, plant & equipment (net)	CLP 272.44B	CLP 312.64B	CLP 352.27B	CLP 371.89B	CLP 374.82B	CLP 388.85B	CLP 408.33B	CLP 253.59B	CLP 242.55B	CLP 257.38B
Goodwill & intangible assets	CLP 91.47B	CLP 88.67B	CLP 97.55B	CLP 107.79B	CLP 95.41B	CLP 82.54B	CLP 73.39B	CLP 66.92B	CLP 63.22B	CLP 58.09B
Long-term investments	CLP 6.99T	CLP 7.18T	CLP 12.97T	CLP 10.98T	CLP 10.66T	CLP 7.37T	CLP 4.36T	CLP 2.56T	CLP 3.14T	CLP 3.86T
Other non-current assets	CLP 54.01T	CLP 56.18T	CLP 46.60T	CLP 45.15T	CLP 41.24T	CLP 36.49T	CLP 36.95T	CLP 31.07T	CLP 25.68T	CLP 24.62T
Total assets	CLP 68.15T	CLP 68.40T	CLP 71.09T	CLP 68.42T	CLP 63.84T	CLP 55.70T	CLP 50.57T	CLP 39.20T	CLP 35.80T	CLP 37.01T
Liabilities
Accounts payable	CLP 647.79B	CLP 528.72B	CLP 492.28B	CLP 603.01B	CLP 607.95B	CLP 376.22B	CLP 223.73B	CLP 163.22B	CLP 384.11B	CLP 327.42B
Short-term debt	CLP 2.76T	CLP 12.69B	CLP 20.72B	CLP 25.90B	CLP 23.39B	CLP 3.65T	CLP 4.85T	CLP 2.76T	CLP 2.31T	CLP 3.17T
Deferred revenue	—	—	CLP 2.68B	CLP 6.35B	CLP 6.63B	CLP 828.0M	CLP 640.0M	CLP 673.0M	−CLP 1.92T	−CLP 2.84T
Total current liabilities	CLP 32.72T	CLP 642.22B	CLP 28.79T	CLP 442.67B	CLP 271.70B	CLP 241.43B	CLP 223.73B	CLP 163.22B	CLP 384.11B	CLP 327.42B
Long-term debt	CLP 13.08T	CLP 14.38T	CLP 12.32T	CLP 16.03T	CLP 17.27T	CLP 14.55T	CLP 14.99T	CLP 10.85T	CLP 9.58T	CLP 9.48T
Lease obligations	CLP 40.65B	CLP 66.88B	CLP 104.52B	CLP 137.09B	CLP 139.79B	CLP 149.59B	CLP 158.49B	CLP 163.04B	CLP 0	CLP 0
Other long-term liabilities	CLP 16.61T	CLP 49.68T	CLP 24.66T	CLP 0	CLP 568.25B	CLP 279.91B	CLP 0	CLP 0	CLP 0	CLP 0
Total liabilities	CLP 62.41T	CLP 63.04T	CLP 65.77T	CLP 63.46T	CLP 59.41T	CLP 52.00T	CLP 47.10T	CLP 35.91T	CLP 32.70T	CLP 34.11T
Shareholders' equity
Common stock & paid-in capital	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B
Retained earnings (deficit)	CLP 661.60B	CLP 275.81B	CLP 537.46B	CLP 679.44B	CLP 647.07B	CLP 410.50B	CLP 393.68B	CLP 414.33B	CLP 395.37B	CLP 330.65B
Treasury stock	—	—	—	—	—	—	CLP 0	CLP 0	CLP 0	CLP 0
Accumulated other comprehensive income	CLP 3.43T	CLP 3.13T	CLP 3.16T	CLP 2.69T	CLP 2.20T	CLP 2.32T	CLP 2.11T	CLP 1.93T	CLP 1.78T	CLP 1.65T
Minority interest	CLP 119.94B	CLP 104.39B	CLP 124.73B	CLP 109.56B	—	—	CLP 0	CLP 0	CLP 0	CLP 0
Total shareholders' equity	CLP 5.62T	CLP 5.36T	CLP 5.32T	CLP 4.96T	CLP 4.43T	CLP 3.70T	CLP 3.48T	CLP 3.29T	CLP 3.11T	CLP 2.90T
Key figures
Total debt	CLP 15.88T	CLP 15.08T	CLP 12.71T	CLP 10.58T	CLP 17.41T	CLP 14.69T	CLP 19.84T	CLP 13.61T	CLP 11.89T	CLP 12.65T
Net cash (debt)	−CLP 9.24T	−CLP 11.81T	−CLP 2.19T	CLP 720.92B	−CLP 6.27T	−CLP 3.53T	−CLP 11.33T	−CLP 8.54T	−CLP 6.87T	−CLP 6.09T
Working capital	−CLP 25.93T	CLP 4.00T	−CLP 17.73T	CLP 11.37T	CLP 11.20T	CLP 11.12T	CLP 8.55T	CLP 5.09T	CLP 6.29T	CLP 7.89T
Tangible book value	CLP 5.52T	CLP 5.27T	CLP 5.22T	CLP 4.86T	CLP 4.33T	CLP 3.62T	CLP 3.41T	CLP 3.22T	CLP 3.04T	CLP 2.84T
Shares outstanding	471.1M	471.1M	471.1M	471.1M	471.1M	471.1M	471.1M	471.1M	471.1M	471.1M
Current ratio	0.21	7.22	0.38	26.69	42.24	47.08	39.23	32.18	17.37	25.09
Quick ratio	0.21	7.09	0.38	26.69	42.24	47.08	39.23	32.18	17.37	25.09
Debt / equity	2.83	2.81	2.39	2.13	3.93	3.97	5.70	4.14	3.83	4.37
Equity / assets	8.2%	7.8%	7.5%	7.3%	6.9%	6.7%	6.9%	8.4%	8.7%	7.8%

Banco Santander-Chile quarterly balance sheet
	Jun '26	Mar '26	Dec '25	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24	Mar '24	Dec '23	Sep '23
Assets
Cash & short-term investments	CLP 9.72T	CLP 1.88T	CLP 6.64T	CLP 8.25T	CLP 6.56T	CLP 6.53T	CLP 3.27T	CLP 1.89T	CLP 2.04T	CLP 2.63T	CLP 10.52T	CLP 10.52T
Cash & equivalents	CLP 4.13T	CLP 1.88T	CLP 5.24T	CLP 3.96T	CLP 4.37T	CLP 2.90T	CLP 3.27T	CLP 1.89T	CLP 2.04T	CLP 3.24T	CLP 5.78T	CLP 5.78T
Short-term investments	CLP 5.58T	CLP 4.42T	CLP 1.40T	CLP 4.29T	CLP 2.19T	CLP 3.62T	CLP 1.95T	−CLP 50.62T	CLP 2.73T	CLP 4.18T	CLP 4.74T	CLP 4.74T
Receivables	CLP 185.15B	CLP 1.93T	CLP 99.44B	CLP 91.0M	CLP 1.13T	CLP 79.0M	CLP 1.29T	CLP 181.83B	CLP 1.42T	CLP 130.0M	CLP 199.75B	CLP 382.23B
Inventory	CLP 0	CLP 0	CLP 0	CLP 0	CLP 0	CLP 0	CLP 0	CLP 0	−CLP 3.46T	−CLP 17.28T	−CLP 14.36T	−CLP 14.36T
Other current assets	CLP 0	CLP 61.78T	CLP 51.04B	CLP 0	CLP 34.48B	CLP 0	CLP 84.31B	CLP 0	CLP 14.76T	CLP 17.28T	CLP 14.54T	CLP 14.36T
Total current assets	CLP 9.72T	CLP 65.59T	CLP 6.79T	CLP 8.25T	CLP 7.72T	CLP 6.53T	CLP 4.64T	CLP 1.89T	CLP 14.76T	CLP 2.63T	CLP 10.90T	CLP 10.90T
Property, plant & equipment (net)	CLP 265.54B	CLP 267.20B	CLP 272.44B	CLP 288.77B	CLP 298.39B	CLP 305.45B	CLP 312.64B	CLP 323.54B	CLP 334.32B	CLP 345.59B	CLP 352.27B	CLP 352.27B
Goodwill & intangible assets	CLP 84.44B	CLP 83.12B	CLP 91.47B	CLP 77.49B	CLP 78.76B	CLP 161.63B	CLP 88.67B	CLP 89.38B	CLP 49.68T	CLP 90.13B	CLP 97.55B	CLP 97.55B
Long-term investments	CLP 11.33T	CLP 10.07T	CLP 6.99T	CLP 9.85T	CLP 8.94T	CLP 8.88T	CLP 7.18T	CLP 8.61T	CLP 10.30T	CLP 12.96T	CLP 12.97T	CLP 12.13T
Other non-current assets	CLP 48.93T	CLP 0	CLP 54.01T	CLP 49.77T	CLP 49.15T	CLP 51.18T	CLP 56.18T	CLP 54.97T	CLP 0	CLP 58.75T	CLP 46.77T	CLP 47.61T
Total assets	CLP 70.32T	CLP 69.90T	CLP 68.15T	CLP 68.24T	CLP 66.19T	CLP 67.06T	CLP 68.40T	CLP 65.89T	CLP 68.26T	CLP 74.78T	CLP 71.09T	CLP 71.09T
Liabilities
Accounts payable	CLP 487.42B	CLP 1.81T	CLP 647.79B	CLP 742.46B	CLP 544.93B	—	CLP 528.72B	CLP 1.21T	CLP 987.90B	CLP 1.04T	CLP 492.28B	CLP 492.28B
Short-term debt	CLP 3.23T	CLP 37.42T	CLP 2.76T	CLP 3.33T	CLP 2.54T	CLP 1.21T	CLP 12.69B	CLP 1.62T	CLP 9.56T	CLP 16.63B	CLP 20.72B	CLP 20.72B
Deferred revenue	—	—	—	—	—	—	—	—	CLP 2.31B	CLP 2.61B	CLP 2.68B	CLP 2.68B
Total current liabilities	CLP 35.68T	CLP 54.73T	CLP 32.72T	CLP 32.69T	CLP 31.46T	CLP 31.82T	CLP 642.22B	CLP 29.62T	CLP 35.33T	CLP 40.34T	CLP 513.00B	CLP 513.00B
Long-term debt	CLP 10.60T	CLP 11.05T	CLP 13.08T	CLP 11.82T	CLP 10.68T	CLP 10.23T	CLP 14.38T	CLP 10.61T	CLP 11.00T	CLP 18.06T	CLP 12.32T	CLP 17.56T
Lease obligations	CLP 48.77B	CLP 49.97B	CLP 40.65B	CLP 45.06B	CLP 52.19B	CLP 57.62B	CLP 66.88B	CLP 82.41B	CLP 86.64B	CLP 94.74B	CLP 104.52B	CLP 116.39B
Other long-term liabilities	CLP 18.91T	CLP 0	CLP 16.61T	CLP 19.02T	CLP 19.43T	CLP 20.50T	CLP 49.68T	CLP 19.90T	CLP 17.63T	CLP 0	CLP 304.42B	CLP 0
Total liabilities	CLP 65.19T	CLP 65.00T	CLP 62.41T	CLP 63.53T	CLP 61.56T	CLP 62.55T	CLP 63.04T	CLP 61.57T	CLP 63.97T	CLP 10.81T	CLP 65.77T	CLP 65.77T
Shareholders' equity
Common stock & paid-in capital	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B	CLP 891.30B
Retained earnings (deficit)	CLP 694.77B	CLP 541.38B	CLP 661.60B	CLP 836.89B	CLP 589.38B	CLP 1.16T	CLP 275.81B	CLP 199.36B	CLP 167.22B	CLP 242.90B	CLP 537.46B	CLP 537.46B
Accumulated other comprehensive income	CLP 3.39T	−CLP 179.26B	CLP 3.43T	CLP 2.86T	CLP 3.03T	CLP 2.35T	CLP 3.13T	CLP 3.13T	CLP 3.14T	CLP 3.03T	CLP 3.16T	CLP 3.16T
Minority interest	CLP 164.11B	CLP 154.49B	CLP 119.94B	CLP 115.09B	CLP 111.70B	—	—	—	—	—	—	—
Total shareholders' equity	CLP 4.97T	CLP 4.74T	CLP 5.62T	CLP 4.59T	CLP 4.51T	CLP 4.40T	CLP 4.29T	CLP 4.22T	CLP 4.19T	CLP 4.16T	CLP 5.19T	CLP 5.19T
Key figures
Total debt	CLP 13.88T	CLP 47.69T	CLP 15.88T	CLP 15.20T	CLP 17.10T	CLP 13.05T	CLP 15.08T	CLP 10.61T	CLP 18.78T	CLP 18.15T	CLP 12.42T	CLP 12.42T
Net cash (debt)	−CLP 4.17T	−CLP 45.82T	−CLP 9.24T	−CLP 6.95T	−CLP 10.54T	−CLP 6.52T	−CLP 11.81T	−CLP 8.72T	−CLP 16.74T	−CLP 15.52T	−CLP 1.91T	−CLP 1.91T
Working capital	−CLP 25.96T	CLP 10.86T	−CLP 25.93T	−CLP 24.44T	−CLP 23.74T	−CLP 25.29T	CLP 4.00T	−CLP 27.72T	−CLP 20.58T	−CLP 37.71T	CLP 10.38T	CLP 10.38T
Tangible book value	CLP 4.89T	CLP 4.66T	CLP 5.52T	CLP 4.51T	CLP 4.44T	CLP 4.24T	CLP 4.20T	CLP 4.13T	−CLP 45.48T	CLP 4.07T	CLP 5.10T	CLP 5.10T
Shares outstanding	471.1M	439.5M	471.1M	471.1M	471.1M	471.1M	471.1M	471.1M	471.1M	471.1M	471.1M	471.1M
Current ratio	0.27	1.20	0.21	0.25	0.25	0.21	7.22	0.06	0.42	0.07	21.24	21.24
Quick ratio	0.28	0.07	0.21	0.25	0.24	0.21	7.09	0.07	0.10	0.07	20.89	21.24
Debt / equity	2.79	10.06	2.83	3.31	3.79	2.97	3.51	2.52	4.48	4.36	2.39	2.39
Equity / assets	7.1%	6.8%	8.2%	6.7%	6.8%	6.6%	6.3%	6.4%	6.1%	5.6%	7.3%	7.3%

Quarterly columns are labeled by the month the quarter ended. Figures in CLP as reported (latest annual report filed February 27, 2026); data from EODHD.

BSAC financial position

At the end of fiscal 2025 (December 31, 2025), Banco Santander-Chile had total assets of CLP 68.15 trillion (down 0.4% from a year earlier), total liabilities of CLP 62.41 trillion and shareholders' equity of CLP 5.62 trillion. It held CLP 6.64 trillion in cash and short-term investments against CLP 15.88 trillion of debt, net debt of CLP 9.24 trillion. Its current ratio was 0.21. In the latest quarter (ended June 30, 2026) total assets were CLP 70.32 trillion and equity CLP 4.97 trillion.

Related: BSAC income statement, BSAC cash flow statement, BSAC key metrics. See the BSAC stock overview for the latest quote and news.

BSAC balance sheet FAQ

What are Banco Santander-Chile's total assets?

Banco Santander-Chile reported total assets of CLP 68.15 trillion at the end of fiscal 2025 (December 31, 2025), compared with CLP 68.40 trillion a year earlier.

How much debt does Banco Santander-Chile have?

Banco Santander-Chile had CLP 15.88 trillion of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 2.83.

How much cash does Banco Santander-Chile have?

Banco Santander-Chile held CLP 6.64 trillion in cash and short-term investments at the end of fiscal 2025; with CLP 15.88 trillion of debt that is net debt of CLP 9.24 trillion.

What is Banco Santander-Chile's book value?

Banco Santander-Chile's shareholders' equity (book value) was CLP 5.62 trillion at the end of fiscal 2025.

What is Banco Santander-Chile's current ratio?

Banco Santander-Chile had current assets of CLP 6.79 trillion and current liabilities of CLP 32.72 trillion, a current ratio of 0.21 (current liabilities exceed current assets).

How much goodwill does Banco Santander-Chile have?

Banco Santander-Chile carried CLP 91.5 billion of goodwill and intangible assets, 0.1% of total assets, at the end of fiscal 2025.