Banco Santander-Chile (BSAC) Income Statement
BSAC 2025 at a glance
Fiscal year ended December 31, 2025 · CLPBSAC revenue and net income
Where BSAC's revenue goes
2025Each bar shows an amount and its share of revenue. BSAC kept 21.9% of revenue as net income.
BSAC profit margins
BSAC growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | −5.0% | −0.4% | +11.7% | +6.6% |
| Gross profit | +8.9% | +7.2% | +7.9% | +6.3% |
| Operating income | +15.4% | +11.4% | +12.4% | +9.0% |
| Net income | +19.8% | +8.8% | +13.3% | +8.6% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
BSAC income statement in CLP
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | CLP 4.66T | CLP 4.90T | CLP 5.22T | CLP 4.72T | CLP 3.37T | CLP 2.68T | CLP 2.81T | CLP 2.64T | CLP 2.47T | CLP 2.53T |
| Cost of revenue | CLP 2.38T | CLP 2.81T | CLP 3.63T | CLP 2.87T | CLP 1.40T | CLP 1.12T | CLP 1.23T | CLP 1.15T | CLP 1.03T | CLP 1.20T |
| Gross profit | CLP 2.28T | CLP 2.09T | CLP 1.59T | CLP 1.85T | CLP 1.97T | CLP 1.56T | CLP 1.58T | CLP 1.50T | CLP 1.44T | CLP 1.33T |
| Research & development | — | — | — | — | — | — | CLP 0 | CLP 0 | CLP 0 | CLP 0 |
| Sales, general & admin | CLP 773.77B | CLP 769.49B | CLP 719.19B | CLP 747.84B | CLP 701.65B | CLP 670.49B | CLP 643.32B | CLP 598.87B | CLP 601.82B | CLP 627.47B |
| Total operating expenses | CLP 1.03T | CLP 1.01T | CLP 896.67B | CLP 946.32B | CLP 898.56B | CLP 863.80B | CLP 788.20B | CLP 732.78B | CLP 719.78B | CLP 743.64B |
| Operating income | CLP 1.25T | CLP 1.08T | CLP 691.38B | CLP 901.11B | CLP 1.07T | CLP 695.26B | CLP 794.69B | CLP 763.07B | CLP 717.46B | CLP 587.46B |
| Interest income | CLP 3.80T | CLP 4.09T | CLP 4.40T | CLP 4.09T | CLP 2.92T | CLP 2.23T | CLP 2.32T | CLP 2.24T | CLP 2.06T | CLP 2.14T |
| Interest expense | CLP 1.81T | CLP 2.31T | CLP 3.31T | CLP 2.52T | CLP 1.11T | CLP 638.48B | CLP 904.42B | CLP 829.95B | CLP 731.75B | CLP 855.68B |
| Income before taxes | CLP 1.25T | CLP 1.08T | CLP 691.38B | CLP 901.11B | CLP 1.07T | CLP 695.26B | CLP 794.69B | CLP 763.07B | CLP 717.46B | CLP 587.46B |
| Income taxes | CLP 207.36B | CLP 219.75B | CLP 97.55B | CLP 93.62B | CLP 221.66B | CLP 142.53B | CLP 175.07B | CLP 167.14B | CLP 145.03B | CLP 109.03B |
| Net income | CLP 1.02T | CLP 852.96B | CLP 579.43B | CLP 792.28B | CLP 842.47B | CLP 547.61B | CLP 619.09B | CLP 595.33B | CLP 562.80B | CLP 476.07B |
| EBITDA | CLP 1.38T | CLP 1.22T | CLP 835.15B | CLP 1.03T | CLP 1.20T | CLP 804.69B | CLP 900.78B | CLP 842.35B | CLP 795.28B | CLP 652.82B |
| Gross margin | 48.8% | 42.6% | 30.4% | 39.1% | 58.5% | 58.3% | 56.3% | 56.6% | 58.2% | 52.6% |
| Operating margin | 26.7% | 22.0% | 13.2% | 19.1% | 31.8% | 26.0% | 28.3% | 28.9% | 29.0% | 23.2% |
| Net margin | 21.9% | 17.4% | 11.1% | 16.8% | 25.0% | 20.5% | 22.0% | 22.5% | 22.8% | 18.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | CLP 1.23T | CLP 733.43B | CLP 1.80T | CLP 1.09T | CLP 1.19T | CLP 1.05T | CLP 1.24T | CLP 558.45B | CLP 1.22T | CLP 1.16T | CLP 1.37T | CLP 1.23T |
| Cost of revenue | CLP 520.24B | CLP 0 | CLP 698.47B | CLP 567.27B | CLP 565.10B | CLP 553.68B | CLP 751.86B | −CLP 66.12B | CLP 646.49B | CLP 799.40B | CLP 913.09B | CLP 917.80B |
| Gross profit | CLP 705.96B | CLP 733.43B | CLP 1.10T | CLP 521.35B | CLP 628.70B | CLP 498.78B | CLP 490.68B | CLP 624.57B | CLP 576.98B | CLP 365.22B | CLP 452.48B | CLP 308.13B |
| Sales, general & admin | CLP 205.16B | CLP 91.64B | CLP 183.21B | CLP 202.92B | CLP 199.67B | CLP 204.78B | CLP 183.14B | CLP 197.10B | CLP 195.81B | CLP 187.44B | CLP 176.23B | CLP 184.83B |
| Total operating expenses | CLP 255.00B | CLP 397.04B | CLP 824.36B | CLP 216.87B | CLP 302.07B | CLP 164.24B | CLP 156.03B | CLP 288.52B | CLP 297.05B | CLP 206.67B | CLP 133.14B | CLP 233.23B |
| Operating income | CLP 450.96B | CLP 336.39B | CLP 279.77B | CLP 304.48B | CLP 326.64B | CLP 334.53B | CLP 334.65B | CLP 335.18B | CLP 279.93B | CLP 158.55B | CLP 319.34B | CLP 74.90B |
| Interest income | CLP 842.16B | CLP 832.30B | CLP 1.25T | CLP 857.43B | CLP 195.53B | CLP 513.63B | CLP 1.35T | CLP 566.09B | CLP 160.43B | CLP 980.88B | CLP 1.54T | CLP 987.38B |
| Interest expense | CLP 394.46B | CLP 374.79B | CLP 553.45B | CLP 422.90B | CLP 418.40B | CLP 414.18B | CLP 641.24B | CLP 477.84B | CLP 518.80B | CLP 670.15B | CLP 942.00B | CLP 796.63B |
| Income before taxes | CLP 450.96B | CLP 336.39B | CLP 279.77B | CLP 304.48B | CLP 326.64B | CLP 334.53B | CLP 334.65B | CLP 306.47B | CLP 279.93B | CLP 158.55B | CLP 319.34B | CLP 74.90B |
| Income taxes | CLP 59.14B | CLP 55.91B | CLP 51.13B | CLP 53.61B | CLP 49.82B | CLP 52.80B | CLP 65.61B | CLP 59.36B | CLP 59.27B | CLP 35.51B | CLP 59.74B | CLP 13.28B |
| Net income | CLP 382.57B | CLP 273.19B | CLP 223.78B | CLP 247.51B | CLP 272.56B | CLP 277.80B | CLP 271.86B | CLP 243.13B | CLP 217.72B | CLP 120.25B | CLP 259.94B | CLP 56.62B |
| EBITDA | CLP 483.10B | CLP 370.90B | CLP 313.77B | CLP 337.60B | CLP 359.49B | CLP 369.71B | CLP 370.37B | CLP 338.73B | CLP 314.84B | CLP 194.82B | CLP 355.82B | CLP 111.21B |
| Gross margin | 57.6% | 100.0% | 61.3% | 47.9% | 52.7% | 47.4% | 39.5% | 111.8% | 47.2% | 31.4% | 33.1% | 25.1% |
| Operating margin | 36.8% | 45.9% | 15.5% | 28.0% | 27.4% | 31.8% | 26.9% | 60.0% | 22.9% | 13.6% | 23.4% | 6.1% |
| Net margin | 31.2% | 37.2% | 12.4% | 22.7% | 22.8% | 26.4% | 21.9% | 43.5% | 17.8% | 10.3% | 19.0% | 4.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in CLP as reported in BSAC's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
BSAC financial results
In fiscal year 2025 (ended December 31, 2025), Banco Santander-Chile reported revenue of CLP 4.66 trillion, down 5.0% from the year before. It had net income of CLP 1.02 trillion (up 19.8%), a net profit margin of 21.9%. Over five years revenue grew at an average rate of 11.7% a year. Figures are in CLP, the currency of its financial statements.
See the BSAC stock overview for the latest quote and news, or the BSAC chart for price history and technical indicators.
BSAC income statement FAQ
What is Banco Santander-Chile's annual revenue?
Banco Santander-Chile reported total revenue of CLP 4.66 trillion for fiscal year 2025, which ended on December 31, 2025. That was down 5.0% from CLP 4.90 trillion the previous year.
Is Banco Santander-Chile profitable?
Yes. Banco Santander-Chile reported net income of CLP 1.02 trillion in fiscal 2025, a net profit margin of 21.9%; its operating margin was 26.7%.
What is Banco Santander-Chile's gross margin?
Banco Santander-Chile's gross margin was 48.8% in fiscal 2025: for every $100 of revenue, Banco Santander-Chile kept $49 after the direct cost of its products and services.
How fast is Banco Santander-Chile growing?
Revenue grew 11.7% a year on average over the last five fiscal years, from CLP 2.68 trillion to CLP 4.66 trillion.
When will Banco Santander-Chile report its next earnings?
Banco Santander-Chile is expected to report results for the quarter ending September 30, 2026 on October 30, 2026 before the market opens.
When does Banco Santander-Chile's fiscal year end?
Banco Santander-Chile's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.