Banco Santander Chile (BSANTANDER) - Net Assets

Latest as of September 2025: CL$4.71 Trillion CLP ≈ $5.26 Billion USD

Based on the latest financial reports, Banco Santander Chile (BSANTANDER) has net assets worth CL$4.71 Trillion CLP (≈ $5.26 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CL$68.24 Trillion ≈ $76.32 Billion USD) and total liabilities (CL$63.53 Trillion ≈ $71.05 Billion USD). 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	CL$4.71 Trillion
% of Total Assets	6.9%
Annual Growth Rate	7.47%
5-Year Change	44.65%
10-Year Change	N/A
Growth Volatility	5.15

Banco Santander Chile - Net Assets Trend (2015–2024)

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 (2015–2024)

The table below shows the annual net assets of Banco Santander Chile from 2015 to 2024.

Year	Net Assets	Change
2024-12-31	CL$5.36 Trillion ≈ $5.99 Billion	+0.78%
2023-12-31	CL$5.32 Trillion ≈ $5.95 Billion	+7.12%
2022-12-31	CL$4.96 Trillion ≈ $5.55 Billion	+12.11%
2021-12-31	CL$4.43 Trillion ≈ $4.95 Billion	+19.51%
2020-12-31	CL$3.70 Trillion ≈ $4.14 Billion	+6.50%
2019-12-31	CL$3.48 Trillion ≈ $3.89 Billion	+7.18%
2018-12-31	CL$3.25 Trillion ≈ $3.63 Billion	+3.10%
2017-12-31	CL$3.15 Trillion ≈ $3.52 Billion	+7.14%
2016-12-31	CL$2.94 Trillion ≈ $3.29 Billion	+4.84%
2015-12-31	CL$2.80 Trillion ≈ $3.13 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 grown by 41.9% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2024)

Component	Amount	Percentage
Retained Earnings	CL$499.17 Billion	9.50%
Other Components	CL$4.76 Trillion	90.50%
Total Equity	CL$5.25 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
Fabrinet NYSE:FN	$16.02 Billion
Sun Communities Inc NYSE:SUI	$16.03 Billion
Global Payments Inc NYSE:GPN	$16.04 Billion
Exor N.V. AS:EXO	$16.08 Billion
Banco Santander Chile NYSE:BSAC	$15.99 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

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 2023 to 2024, total equity changed from 5,192,853,000,000 to 5,254,561,000,000, a change of 61,708,000,000 (1.2%).
Net income of 852,964,000,000 contributed positively to equity growth.
Dividend payments of 347,483,000,000 reduced retained earnings.
Other factors decreased equity by 443,773,000,000.

Equity Change Factors (2023 to 2024)

Factor	Impact	Contribution
Net Income	CL$852.96 Billion	+16.23%
Dividends Paid	CL$347.48 Billion	-6.61%
Other Changes	CL$-443.77 Billion	-8.45%
Total Change	CL$-	1.19%

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: 2.72x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
The price-to-book ratio has decreased from 4.61x to 2.72x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2017-12-31	CL$16.48	CL$75.97	x
2018-12-31	CL$16.98	CL$75.97	x
2019-12-31	CL$18.04	CL$75.97	x
2020-12-31	CL$19.21	CL$75.97	x
2021-12-31	CL$22.99	CL$75.97	x
2022-12-31	CL$25.76	CL$75.97	x
2023-12-31	CL$27.56	CL$75.97	x
2024-12-31	CL$27.88	CL$75.97	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): 16.23%
The company demonstrates strong efficiency in generating profits from shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 32.87%
• Asset Turnover: 0.04x
• Equity Multiplier: 13.02x
Recent ROE (16.23%) is below the historical average (16.58%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2015	16.18%	36.02%	0.04x	12.49x	CL$171.23 Billion
2016	16.37%	28.45%	0.05x	12.73x	CL$185.18 Billion
2017	18.12%	31.41%	0.05x	11.53x	CL$252.20 Billion
2018	18.61%	32.64%	0.05x	12.23x	CL$275.40 Billion
2019	18.21%	32.42%	0.04x	14.88x	CL$279.20 Billion
2020	15.13%	26.83%	0.04x	15.39x	CL$185.60 Billion
2021	19.44%	37.05%	0.04x	14.73x	CL$409.15 Billion
2022	16.32%	35.95%	0.03x	14.09x	CL$306.84 Billion
2023	11.16%	30.32%	0.03x	13.69x	CL$60.14 Billion
2024	16.23%	32.87%	0.04x	13.02x	CL$327.51 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: $2,767,265,771,667
Average return on equity (ROE) among peers: 10.62%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Banco Santander Chile (BSANTANDER)	CL$4.71 Trillion	16.18%	13.50x	$16.01 Billion
Banco de Credito e Inversiones (BCI)	$3.89 Trillion	8.15%	13.68x	$15.77 Billion
Banco de Chile (CHILE)	$3.55 Trillion	16.14%	8.18x	$19.58 Billion
Grupo Security (SECURITY)	$861.74 Billion	7.56%	12.83x	$1.49 Billion

About Banco Santander Chile

SN:BSANTANDER Chile Banks - Regional

Market Cap

$16.01 Billion

CL$14.32 Trillion CLP

Market Cap Rank

#1531 Global

#3 in Chile

Share Price

CL$75.97

Change (1 day)

+1.36%

52-Week Range

CL$55.80 - CL$79.85

All Time High

CL$79.85