Banco Santander Chile (BSAC) - Net Assets
Based on the latest financial reports, Banco Santander Chile (BSAC) has net assets worth $4.84 Trillion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($68.09 Trillion) and total liabilities ($63.26 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $4.84 Trillion |
| % of Total Assets | 7.11% |
| Annual Growth Rate | 9.17% |
| 5-Year Change | 9.31% |
| 10-Year Change | 67.0% |
| Growth Volatility | 15.52 |
Banco Santander Chile - Net Assets Trend (1998–2025)
This chart illustrates how Banco Santander Chile's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Banco Santander Chile (1998–2025)
The table below shows the annual net assets of Banco Santander Chile from 1998 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $4.84 Trillion | -9.69% |
| 2024-12-31 | $5.36 Trillion | +0.78% |
| 2023-12-31 | $5.32 Trillion | +7.12% |
| 2022-12-31 | $4.96 Trillion | +12.11% |
| 2021-12-31 | $4.43 Trillion | +19.51% |
| 2020-12-31 | $3.70 Trillion | +6.50% |
| 2019-12-31 | $3.48 Trillion | +5.87% |
| 2018-12-31 | $3.29 Trillion | +5.72% |
| 2017-12-31 | $3.11 Trillion | +7.25% |
| 2016-12-31 | $2.90 Trillion | +4.82% |
| 2015-12-31 | $2.76 Trillion | +4.61% |
| 2014-12-31 | $2.64 Trillion | +11.40% |
| 2013-12-31 | $2.37 Trillion | +8.01% |
| 2012-12-31 | $2.20 Trillion | +4.87% |
| 2011-12-31 | $2.09 Trillion | +8.08% |
| 2010-12-31 | $1.94 Trillion | +14.68% |
| 2009-12-31 | $1.69 Trillion | +11.35% |
| 2008-12-31 | $1.52 Trillion | -4.41% |
| 2007-12-31 | $1.59 Trillion | +18.46% |
| 2006-12-31 | $1.34 Trillion | +21.10% |
| 2005-12-31 | $1.11 Trillion | +7.97% |
| 2004-12-31 | $1.03 Trillion | +1.48% |
| 2003-12-31 | $1.01 Trillion | +3.61% |
| 2002-12-31 | $974.93 Billion | +80.99% |
| 2001-12-31 | $538.66 Billion | +8.92% |
| 2000-12-31 | $494.56 Billion | +13.10% |
| 1999-12-31 | $437.27 Billion | -3.56% |
| 1998-12-31 | $453.42 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Banco Santander Chile's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $4.72 Trillion | 100.00% |
| Total Equity | $4.72 Trillion | 100.00% |
Banco Santander Chile Competitors by Market Cap
The table below lists competitors of Banco Santander Chile ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Banco Santander Chile
SN:BSANTANDER
|
$16.01 Billion |
|
Fabrinet
NYSE:FN
|
$16.02 Billion |
|
Sun Communities Inc
NYSE:SUI
|
$16.03 Billion |
|
Global Payments Inc
NYSE:GPN
|
$16.04 Billion |
|
VAT Group AG
SW:VACN
|
$15.99 Billion |
|
REA Group Ltd
AU:REA
|
$15.98 Billion |
|
Lululemon Athletica Inc
F:33L
|
$15.95 Billion |
|
Bank of Ireland Group PLC
IR:BIRG
|
$15.95 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Banco Santander Chile's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 4,292,440,000,000 to 4,719,697,000,000, a change of 427,257,000,000 (10.0%).
- Net income of 1,053,209,000,000 contributed positively to equity growth.
- Other comprehensive income decreased equity by 3,125,331,000,000.
- Other factors increased equity by 2,499,379,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $1.05 Trillion | +22.32% |
| Other Comprehensive Income | $-3.13 Trillion | -66.22% |
| Other Changes | $2.50 Trillion | +52.96% |
| Total Change | $- | 9.95% |
Book Value vs Market Value Analysis
This analysis compares Banco Santander Chile's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.00x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1998-12-31 | $1833.96 | $33.94 | x |
| 1999-12-31 | $1767.07 | $33.94 | x |
| 2000-12-31 | $1924.51 | $33.94 | x |
| 2001-12-31 | $2177.87 | $33.94 | x |
| 2002-12-31 | $2067.72 | $33.94 | x |
| 2003-12-31 | $2141.92 | $33.94 | x |
| 2004-12-31 | $2173.30 | $33.94 | x |
| 2005-12-31 | $2346.21 | $33.94 | x |
| 2006-12-31 | $2841.56 | $33.94 | x |
| 2007-12-31 | $3323.78 | $33.94 | x |
| 2008-12-31 | $3469.23 | $33.94 | x |
| 2009-12-31 | $3523.71 | $33.94 | x |
| 2010-12-31 | $4046.08 | $33.94 | x |
| 2011-12-31 | $4374.12 | $33.94 | x |
| 2012-12-31 | $4589.61 | $33.94 | x |
| 2013-12-31 | $4975.33 | $33.94 | x |
| 2014-12-31 | $5539.82 | $33.94 | x |
| 2015-12-31 | $5804.73 | $33.94 | x |
| 2016-12-31 | $6089.18 | $33.94 | x |
| 2017-12-31 | $6508.34 | $33.94 | x |
| 2018-12-31 | $6876.33 | $33.94 | x |
| 2019-12-31 | $7214.52 | $33.94 | x |
| 2020-12-31 | $7684.09 | $33.94 | x |
| 2021-12-31 | $9197.78 | $33.94 | x |
| 2022-12-31 | $10304.02 | $33.94 | x |
| 2023-12-31 | $11022.47 | $33.94 | x |
| 2024-12-31 | $9111.23 | $33.94 | x |
| 2025-12-31 | $10018.14 | $33.94 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Banco Santander Chile utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 22.32%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 45.67%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 14.43x
- Recent ROE (22.32%) is above the historical average (19.34%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1998 | 15.36% | 10.24% | 0.12x | 12.24x | $24.29 Billion |
| 1999 | 11.60% | 8.41% | 0.11x | 12.42x | $6.98 Billion |
| 2000 | 17.94% | 13.36% | 0.11x | 11.82x | $39.27 Billion |
| 2001 | 22.09% | 17.22% | 0.10x | 12.55x | $65.10 Billion |
| 2002 | 16.33% | 12.68% | 0.11x | 12.11x | $61.69 Billion |
| 2003 | 20.34% | 20.84% | 0.09x | 10.73x | $104.38 Billion |
| 2004 | 20.47% | 18.59% | 0.09x | 11.70x | $107.15 Billion |
| 2005 | 23.81% | 18.48% | 0.10x | 12.46x | $152.61 Billion |
| 2006 | 22.93% | 19.17% | 0.10x | 11.92x | $173.12 Billion |
| 2007 | 21.46% | 16.11% | 0.11x | 11.84x | $179.50 Billion |
| 2008 | 27.71% | 16.84% | 0.12x | 14.13x | $264.19 Billion |
| 2009 | 26.00% | 26.08% | 0.08x | 12.51x | $265.55 Billion |
| 2010 | 26.51% | 28.55% | 0.08x | 11.59x | $314.78 Billion |
| 2011 | 19.52% | 18.86% | 0.09x | 11.97x | $196.12 Billion |
| 2012 | 16.50% | 15.98% | 0.09x | 11.45x | $140.58 Billion |
| 2013 | 18.87% | 19.23% | 0.08x | 11.57x | $207.90 Billion |
| 2014 | 21.84% | 22.26% | 0.08x | 11.70x | $308.92 Billion |
| 2015 | 16.40% | 18.18% | 0.07x | 12.67x | $175.00 Billion |
| 2016 | 16.60% | 18.83% | 0.07x | 12.90x | $189.20 Billion |
| 2017 | 18.36% | 22.77% | 0.07x | 11.68x | $256.18 Billion |
| 2018 | 18.38% | 22.52% | 0.07x | 12.10x | $271.38 Billion |
| 2019 | 18.21% | 22.03% | 0.06x | 14.88x | $279.20 Billion |
| 2020 | 15.13% | 20.47% | 0.05x | 15.39x | $185.60 Billion |
| 2021 | 19.44% | 24.97% | 0.05x | 14.73x | $409.15 Billion |
| 2022 | 16.32% | 16.78% | 0.07x | 14.09x | $306.84 Billion |
| 2023 | 11.16% | 11.10% | 0.07x | 13.69x | $60.14 Billion |
| 2024 | 19.87% | 17.40% | 0.07x | 15.94x | $423.72 Billion |
| 2025 | 22.32% | 45.67% | 0.03x | 14.43x | $581.24 Billion |
Industry Comparison
This section compares Banco Santander Chile's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $335,290,900
- Average return on equity (ROE) among peers: 11.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Banco Santander Chile (BSAC) | $4.84 Trillion | 15.36% | 13.07x | $15.99 Billion |
| Ameris Bancorp (ABCB) | $141.98 Million | 7.29% | 7.40x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $293.77 Million | 7.18% | 9.19x | $5.70 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $127.02 Million | 6.56% | 5.94x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $439.37 Million | 10.16% | 9.66x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $844.92 Million | 6.08% | 8.45x | $957.36 Million |
| Arrow Financial Corporation (AROW) | $118.03 Million | 16.50% | 10.67x | $595.41 Million |
| Associated Banc-Corp (ASB) | $1.07 Billion | 16.77% | 11.71x | $5.15 Billion |
| AmeriServ Financial Inc (ASRV) | $112.62 Million | 18.11% | 20.91x | $62.60 Million |
About Banco Santander Chile
Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail, Wealth Management & Insurance, Middle-Market, Corporate and Investment Banking, and Corporate Activities and Other segments. The company offers checking accounts and savings products; debit and credit cards; consumer, auto, commercial, mortgage,… Read more