Banco Santander-Chile Balance Sheet Health
Financial Health criteria checks 2/6
Banco Santander-Chile has total assets of CLP65,890.3B and total equity of CLP4,324.2B. Total deposits are CLP28,384.4B, and total loans are CLP39,225.7B earning a Net Interest Margin of 2.2%. It has insufficient allowance for bad loans, which are currently at 6.1% of total loans. Cash and short-term investments are CLP15,023.3B.
Key information
15.2x
Asset to equity ratio
2.2%
Net interest margin
| Total deposits | CL$28.38t |
| Loan to deposit ratio | High |
| Bad loans | 6.1% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | CL$15.02t |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: B1SA34's Assets to Equity ratio (15.2x) is moderate.
Allowance for Bad Loans: B1SA34 has a low allowance for bad loans (49%).
Low Risk Liabilities: 54% of B1SA34's liabilities are made up of primarily higher risk sources of funding.
Loan Level: B1SA34 has an appropriate level of Loans to Assets ratio (60%).
Low Risk Deposits: B1SA34's Loans to Deposits ratio (138%) is high.
Level of Bad Loans: B1SA34 has a high level of bad loans (6.1%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 05:07 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Banco Santander-Chile is covered by 25 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Roberto de Aguiar Attuch | Barclays |
| Ernesto Gabilondo Márquez | BofA Global Research |
| Gustavo Schroden | Bradesco S.A. Corretora de Títulos e Valores Mobiliários |