--- title: "Banco Santander Chile Posts 23.5% ROE on Strong 2025 Earnings and Digital Growth" type: "News" locale: "en" url: "https://longbridge.com/en/news/275340458.md" description: "Banco Santander Chile reported a 22.8% increase in net income to Ch$1.053 billion for 2025, achieving a return on equity of 23.5%. Operating income rose 10.2%, driven by improved net interest margins and higher fee income. The bank's digital customer base grew, with 4.6 million total customers and 2.3 million digital users. The Common Equity Tier 1 ratio stood at 11.0%, supporting a 60% dividend payout. Analysts rate BSAC stock as a Buy with a $40.00 price target, reflecting strong financial performance and positive earnings guidance despite some risks." datetime: "2026-02-09T15:27:35.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/275340458.md) - [en](https://longbridge.com/en/news/275340458.md) - [zh-HK](https://longbridge.com/zh-HK/news/275340458.md) --- > Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/275340458.md) | [繁體中文](https://longbridge.com/zh-HK/news/275340458.md) # Banco Santander Chile Posts 23.5% ROE on Strong 2025 Earnings and Digital Growth ### Valentine's Day Sale - 70% Off - Unlock hedge fund-level data and powerful investing tools for smarter, sharper decisions - Stay ahead of the market with the latest news and analysis and maximize your portfolio's potential The latest update is out from Banco Santander Chile ( (BSAC) ). Banco Santander Chile reported solid results for the twelve months ended December 31, 2025, with net income attributable to shareholders rising 22.8% year on year to Ch$1.053 billion and return on average equity improving to 23.5%. Operating income grew 10.2% on the back of a stronger net interest margin, higher fee income and financial transactions, while fourth-quarter 2025 net income edged up 3.2% quarter on quarter, marking a seventh straight quarter with ROAE above 20%. The bank’s net interest margin recovered to 4.0% in 2025 as funding costs fell in line with lower monetary policy rates, and net interest income and readjustments rose 10.9%. Efficiency improved, with the cost ratio dropping to 36.0% despite higher technology and branch-transformation expenses, and net fees increased 8.9%, lifting the fee-to-expense recurrence ratio to 63.7% and underscoring the growing role of fee income in funding operations. Total customers grew 6.9% year on year to about 4.6 million, with nearly 2.3 million digital users and a current account market share of 21.8% as of November 2025, helped by digitally opened dollar accounts and cross-selling via Getnet, particularly to SMEs. Capital strength remained solid, with the Common Equity Tier 1 ratio at 11.0% and the BIS ratio at 16.9% at year-end 2025, even after incorporating a provision for a 60% dividend payout, supporting both shareholder returns and future growth capacity. The most recent analyst rating on (BSAC) stock is a Buy with a $40.00 price target. To see the full list of analyst forecasts on Banco Santander Chile stock, see the BSAC Stock Forecast page. **Spark’s Take on BSAC Stock** According to Spark, TipRanks’ AI Analyst, BSAC is a Outperform. The score is driven primarily by improving financial performance (rebounding growth, profitability, and cash generation) but tempered by higher leverage and past cash-flow volatility. Technicals add support with a strong uptrend and positive momentum, while valuation is reasonable with a moderate P/E and solid dividend yield. Earnings-call guidance is broadly positive, with regulatory, political, and credit-cost risks keeping the score from moving higher. To see Spark’s full report on BSAC stock, click here. **More about Banco Santander Chile** Banco Santander Chile is a major Chilean financial institution offering retail and commercial banking services, including loans, deposits, current accounts and digital banking solutions. The bank focuses on expanding its digital customer base, SME relationships and transaction services, positioning itself as a leading player in Chile’s competitive banking market with a strong presence in current accounts and payments through platforms such as Getnet. **Average Trading Volume:** 321,580 **Technical Sentiment Signal:** Buy **Current Market Cap:** $17.29B ### Related Stocks - [Banco Santander-Chile (BSAC.US)](https://longbridge.com/en/quote/BSAC.US.md) ## Related News & Research - [Santander shareholders approve 2025 results, dividends and major share buyback-driven capital cut](https://longbridge.com/en/news/280822779.md) - [Santander shareholders approve capital increase to help fund acquisition of Webster](https://longbridge.com/en/news/280808617.md) - [US 10 Year Note Futures Hold Key Support as Macro Crosscurrents Build](https://longbridge.com/en/news/281024783.md) - [Banco Santander-Chile Places UF-Denominated Series T-22 Bonds in Local Market](https://longbridge.com/en/news/278446107.md) - [Spain's Banco Santander Maintains FY26 Outlook](https://longbridge.com/en/news/280746516.md)