Banco Santander Chile (BSANTANDER) - Net Assets
Based on the latest financial reports, Banco Santander Chile (BSANTANDER) has net assets worth CL$4.89 Trillion CLP (≈ $5.47 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CL$69.90 Trillion ≈ $78.17 Billion USD) and total liabilities (CL$65.00 Trillion ≈ $72.70 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. Check Banco Santander Chile tangible equity quality to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | CL$4.89 Trillion |
| % of Total Assets | 7.0% |
| Annual Growth Rate | 7.42% |
| 5-Year Change | 29.56% |
| 10-Year Change | 95.23% |
| Growth Volatility | 4.89 |
Banco Santander Chile - Net Assets Trend (2015–2025)
This chart illustrates how Banco Santander Chile's net assets have evolved over time, based on quarterly financial data. See BSANTANDER defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Banco Santander Chile (2015–2025)
The table below shows the annual net assets of Banco Santander Chile from 2015 to 2025. For live valuation and market cap data, see Banco Santander Chile market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | CL$5.74 Trillion ≈ $6.42 Billion |
+7.04% |
| 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 |
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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 88.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | CL$661.60 Billion | 11.78% |
| Other Components | CL$4.95 Trillion | 88.22% |
| Total Equity | CL$5.62 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 |
|---|---|
|
Guangzhou Tinci Materials Technology Co Ltd
SHE:002709
|
$15.60 Billion |
|
Polycab India Limited
NSE:POLYCAB
|
$15.62 Billion |
|
Will Semiconductor Co Ltd
SHG:603501
|
$15.62 Billion |
|
Guosen Securities Co Ltd
SHE:002736
|
$15.66 Billion |
|
Phison Electronics
TWO:8299
|
$15.57 Billion |
|
Beiersdorf Aktiengesellschaft
F:BEI
|
$15.52 Billion |
|
Raiffeisen Bank International AG
VI:RBI
|
$15.50 Billion |
|
CSG N.V.
AS:CSG
|
$15.50 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 5,254,561,000,000 to 5,616,359,000,000, a change of 361,798,000,000 (6.9%).
- Net income of 1,021,650,000,000 contributed positively to equity growth.
- Dividend payments of 600,336,000,000 reduced retained earnings.
- Other factors decreased equity by 59,516,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | CL$1.02 Trillion | +18.19% |
| Dividends Paid | CL$600.34 Billion | -10.69% |
| Other Changes | CL$-59.52 Billion | -1.06% |
| Total Change | CL$- | 6.89% |
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: 2.48x
- 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 4.49x to 2.48x 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$74.00 | x |
| 2018-12-31 | CL$16.98 | CL$74.00 | x |
| 2019-12-31 | CL$18.04 | CL$74.00 | x |
| 2020-12-31 | CL$19.21 | CL$74.00 | x |
| 2021-12-31 | CL$22.99 | CL$74.00 | x |
| 2022-12-31 | CL$25.76 | CL$74.00 | x |
| 2023-12-31 | CL$27.56 | CL$74.00 | x |
| 2024-12-31 | CL$27.88 | CL$74.00 | x |
| 2025-12-31 | CL$29.80 | CL$74.00 | 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): 18.19%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 35.83%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 12.13x
- Recent ROE (18.19%) is above the historical average (16.72%), indicating improving 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 |
| 2025 | 18.19% | 35.83% | 0.04x | 12.13x | CL$460.01 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: $2,813,497,256,000
- Average return on equity (ROE) among peers: 21.25%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Banco Santander Chile (BSANTANDER) | CL$4.89 Trillion | 16.18% | 13.28x | $15.60 Billion |
| Banco de Credito e Inversiones (BCI) | $4.78 Trillion | 29.25% | 15.34x | $14.68 Billion |
| Banco de Chile (CHILE) | $2.74 Trillion | 20.40% | 10.42x | $20.29 Billion |
| Grupo Security (SECURITY) | $923.60 Billion | 14.11% | 15.04x | $1.49 Billion |
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 provides checking accounts and savings products; debit and credit cards; consumer, auto, commercial, mortgag… Read more